The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$16,863
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,388
−HK$533/mo
Today · 4.125%
HK$17,921
baseline
▲ 0.50% · 4.625%
HK$19,011
+HK$1,090/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,842/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,760
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,263
−HK$511/mo
Today · 4.125%
HK$19,774
baseline
▲ 0.50% · 4.625%
HK$20,816
+HK$1,042/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,548/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,236
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,865
−HK$640/mo
Today · 4.125%
HK$21,505
baseline
▲ 0.50% · 4.625%
HK$22,813
+HK$1,308/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,010/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,512
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,116
−HK$612/mo
Today · 4.125%
HK$23,728
baseline
▲ 0.50% · 4.625%
HK$24,979
+HK$1,251/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,456/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,608
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,343
−HK$746/mo
Today · 4.125%
HK$25,089
baseline
▲ 0.50% · 4.625%
HK$26,615
+HK$1,526/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,178/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,264
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,968
−HK$715/mo
Today · 4.125%
HK$27,683
baseline
▲ 0.50% · 4.625%
HK$29,142
+HK$1,459/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,366/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,354
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,298
−HK$959/mo
Today · 4.125%
HK$32,257
baseline
▲ 0.50% · 4.625%
HK$34,220
+HK$1,963/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$64,514/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,768
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,674
−HK$918/mo
Today · 4.125%
HK$35,592
baseline
▲ 0.50% · 4.625%
HK$37,469
+HK$1,877/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$71,184/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,858 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).