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$17,082
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,613
−HK$540/mo
Today · 4.125%
HK$18,153
baseline
▲ 0.50% · 4.625%
HK$19,258
+HK$1,105/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,306/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,003
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,513
−HK$517/mo
Today · 4.125%
HK$20,030
baseline
▲ 0.50% · 4.625%
HK$21,086
+HK$1,056/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,060/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,498
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,136
−HK$648/mo
Today · 4.125%
HK$21,784
baseline
▲ 0.50% · 4.625%
HK$23,109
+HK$1,325/mo
Deposit HK$3.00M · loan HK$4.49M · min. income ≈ HK$43,568/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,804
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,416
−HK$620/mo
Today · 4.125%
HK$24,036
baseline
▲ 0.50% · 4.625%
HK$25,303
+HK$1,267/mo
Deposit HK$3.00M · loan HK$4.49M · min. income ≈ HK$48,072/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,915
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,659
−HK$755/mo
Today · 4.125%
HK$25,414
baseline
▲ 0.50% · 4.625%
HK$26,961
+HK$1,547/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$50,828/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,605
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,318
−HK$724/mo
Today · 4.125%
HK$28,042
baseline
▲ 0.50% · 4.625%
HK$29,520
+HK$1,478/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$56,084/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,747
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,704
−HK$972/mo
Today · 4.125%
HK$32,676
baseline
▲ 0.50% · 4.625%
HK$34,664
+HK$1,988/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$65,352/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,206
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,124
−HK$930/mo
Today · 4.125%
HK$36,054
baseline
▲ 0.50% · 4.625%
HK$37,955
+HK$1,901/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$72,108/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,738 · 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).