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$16,882
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,407
−HK$534/mo
Today · 4.125%
HK$17,941
baseline
▲ 0.50% · 4.625%
HK$19,032
+HK$1,091/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,882/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$222,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,781
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,285
−HK$511/mo
Today · 4.125%
HK$19,796
baseline
▲ 0.50% · 4.625%
HK$20,839
+HK$1,043/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,592/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$222,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,258
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,889
−HK$640/mo
Today · 4.125%
HK$21,529
baseline
▲ 0.50% · 4.625%
HK$22,839
+HK$1,310/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,058/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,537
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,142
−HK$613/mo
Today · 4.125%
HK$23,755
baseline
▲ 0.50% · 4.625%
HK$25,007
+HK$1,252/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,510/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,635
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,370
−HK$747/mo
Today · 4.125%
HK$25,117
baseline
▲ 0.50% · 4.625%
HK$26,645
+HK$1,528/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,234/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,293
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$26,999
−HK$715/mo
Today · 4.125%
HK$27,714
baseline
▲ 0.50% · 4.625%
HK$29,175
+HK$1,461/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,428/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,388
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,333
−HK$960/mo
Today · 4.125%
HK$32,293
baseline
▲ 0.50% · 4.625%
HK$34,258
+HK$1,965/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$64,586/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$222,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,806
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,712
−HK$920/mo
Today · 4.125%
HK$35,632
baseline
▲ 0.50% · 4.625%
HK$37,510
+HK$1,878/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$71,264/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$222,107 · 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).