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$16,867
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,392
−HK$533/mo
Today · 4.125%
HK$17,925
baseline
▲ 0.50% · 4.625%
HK$19,016
+HK$1,091/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,850/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,765
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,268
−HK$510/mo
Today · 4.125%
HK$19,778
baseline
▲ 0.50% · 4.625%
HK$20,821
+HK$1,043/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,556/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,241
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,870
−HK$640/mo
Today · 4.125%
HK$21,510
baseline
▲ 0.50% · 4.625%
HK$22,819
+HK$1,309/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,020/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,517
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,121
−HK$613/mo
Today · 4.125%
HK$23,734
baseline
▲ 0.50% · 4.625%
HK$24,985
+HK$1,251/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,468/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,614
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,349
−HK$746/mo
Today · 4.125%
HK$25,095
baseline
▲ 0.50% · 4.625%
HK$26,622
+HK$1,527/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,190/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,270
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,975
−HK$715/mo
Today · 4.125%
HK$27,690
baseline
▲ 0.50% · 4.625%
HK$29,149
+HK$1,459/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,380/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,361
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,305
−HK$960/mo
Today · 4.125%
HK$32,265
baseline
▲ 0.50% · 4.625%
HK$34,228
+HK$1,963/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$64,530/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$221,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,776
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,682
−HK$919/mo
Today · 4.125%
HK$35,601
baseline
▲ 0.50% · 4.625%
HK$37,478
+HK$1,877/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$71,202/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$221,912 · 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).