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$17,121
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,653
−HK$541/mo
Today · 4.125%
HK$18,194
baseline
▲ 0.50% · 4.625%
HK$19,301
+HK$1,107/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,388/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,047
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,557
−HK$519/mo
Today · 4.125%
HK$20,076
baseline
▲ 0.50% · 4.625%
HK$21,134
+HK$1,058/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,152/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,545
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,184
−HK$649/mo
Today · 4.125%
HK$21,833
baseline
▲ 0.50% · 4.625%
HK$23,162
+HK$1,329/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,666/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,856
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,469
−HK$622/mo
Today · 4.125%
HK$24,091
baseline
▲ 0.50% · 4.625%
HK$25,361
+HK$1,270/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,182/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,969
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,715
−HK$757/mo
Today · 4.125%
HK$25,472
baseline
▲ 0.50% · 4.625%
HK$27,022
+HK$1,550/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$50,944/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,665
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,380
−HK$726/mo
Today · 4.125%
HK$28,106
baseline
▲ 0.50% · 4.625%
HK$29,587
+HK$1,481/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$56,212/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,817
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,776
−HK$974/mo
Today · 4.125%
HK$32,750
baseline
▲ 0.50% · 4.625%
HK$34,742
+HK$1,992/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$65,500/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,284
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,203
−HK$933/mo
Today · 4.125%
HK$36,136
baseline
▲ 0.50% · 4.625%
HK$38,041
+HK$1,905/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$72,272/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,247 · 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).