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$16,884
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,409
−HK$534/mo
Today · 4.125%
HK$17,943
baseline
▲ 0.50% · 4.625%
HK$19,035
+HK$1,092/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,886/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$222,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,783
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,287
−HK$511/mo
Today · 4.125%
HK$19,798
baseline
▲ 0.50% · 4.625%
HK$20,842
+HK$1,044/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,596/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$222,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,261
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,891
−HK$640/mo
Today · 4.125%
HK$21,531
baseline
▲ 0.50% · 4.625%
HK$22,842
+HK$1,311/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,062/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,540
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,145
−HK$613/mo
Today · 4.125%
HK$23,758
baseline
▲ 0.50% · 4.625%
HK$25,010
+HK$1,252/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,516/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,638
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,373
−HK$747/mo
Today · 4.125%
HK$25,120
baseline
▲ 0.50% · 4.625%
HK$26,648
+HK$1,528/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,240/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,297
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$27,002
−HK$715/mo
Today · 4.125%
HK$27,717
baseline
▲ 0.50% · 4.625%
HK$29,178
+HK$1,461/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,434/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,391
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,337
−HK$960/mo
Today · 4.125%
HK$32,297
baseline
▲ 0.50% · 4.625%
HK$34,262
+HK$1,965/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$64,594/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,810
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,717
−HK$920/mo
Today · 4.125%
HK$35,637
baseline
▲ 0.50% · 4.625%
HK$37,515
+HK$1,878/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$71,274/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,134 · 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).