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$16,878
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,403
−HK$534/mo
Today · 4.125%
HK$17,937
baseline
▲ 0.50% · 4.625%
HK$19,028
+HK$1,091/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,874/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$222,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,777
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,280
−HK$511/mo
Today · 4.125%
HK$19,791
baseline
▲ 0.50% · 4.625%
HK$20,834
+HK$1,043/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,582/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$222,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,254
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,884
−HK$640/mo
Today · 4.125%
HK$21,524
baseline
▲ 0.50% · 4.625%
HK$22,833
+HK$1,309/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,048/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,532
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,136
−HK$613/mo
Today · 4.125%
HK$23,749
baseline
▲ 0.50% · 4.625%
HK$25,001
+HK$1,252/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,498/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,629
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,364
−HK$747/mo
Today · 4.125%
HK$25,111
baseline
▲ 0.50% · 4.625%
HK$26,639
+HK$1,528/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,222/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,287
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$26,992
−HK$716/mo
Today · 4.125%
HK$27,708
baseline
▲ 0.50% · 4.625%
HK$29,168
+HK$1,460/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,416/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,381
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,326
−HK$960/mo
Today · 4.125%
HK$32,286
baseline
▲ 0.50% · 4.625%
HK$34,250
+HK$1,964/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$64,572/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$222,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,798
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,705
−HK$919/mo
Today · 4.125%
HK$35,624
baseline
▲ 0.50% · 4.625%
HK$37,502
+HK$1,878/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$71,248/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$222,056 · 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).