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$17,117
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,650
−HK$541/mo
Today · 4.125%
HK$18,191
baseline
▲ 0.50% · 4.625%
HK$19,297
+HK$1,106/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,382/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,043
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,553
−HK$519/mo
Today · 4.125%
HK$20,072
baseline
▲ 0.50% · 4.625%
HK$21,130
+HK$1,058/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,144/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,541
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,180
−HK$649/mo
Today · 4.125%
HK$21,829
baseline
▲ 0.50% · 4.625%
HK$23,157
+HK$1,328/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,658/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,851
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,464
−HK$622/mo
Today · 4.125%
HK$24,086
baseline
▲ 0.50% · 4.625%
HK$25,355
+HK$1,269/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,172/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,964
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,710
−HK$757/mo
Today · 4.125%
HK$25,467
baseline
▲ 0.50% · 4.625%
HK$27,016
+HK$1,549/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,934/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,660
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,375
−HK$725/mo
Today · 4.125%
HK$28,100
baseline
▲ 0.50% · 4.625%
HK$29,581
+HK$1,481/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,200/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,811
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,769
−HK$974/mo
Today · 4.125%
HK$32,743
baseline
▲ 0.50% · 4.625%
HK$34,735
+HK$1,992/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$65,486/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,277
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,196
−HK$933/mo
Today · 4.125%
HK$36,129
baseline
▲ 0.50% · 4.625%
HK$38,033
+HK$1,904/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$72,258/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,202 · 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).