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$17,122
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,655
−HK$541/mo
Today · 4.125%
HK$18,196
baseline
▲ 0.50% · 4.625%
HK$19,303
+HK$1,107/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,392/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,048
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,559
−HK$519/mo
Today · 4.125%
HK$20,078
baseline
▲ 0.50% · 4.625%
HK$21,136
+HK$1,058/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,156/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,547
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,186
−HK$649/mo
Today · 4.125%
HK$21,835
baseline
▲ 0.50% · 4.625%
HK$23,164
+HK$1,329/mo
Deposit HK$3.00M · loan HK$4.51M · min. income ≈ HK$43,670/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,858
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,471
−HK$622/mo
Today · 4.125%
HK$24,093
baseline
▲ 0.50% · 4.625%
HK$25,363
+HK$1,270/mo
Deposit HK$3.00M · loan HK$4.51M · min. income ≈ HK$48,186/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,971
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,717
−HK$757/mo
Today · 4.125%
HK$25,474
baseline
▲ 0.50% · 4.625%
HK$27,025
+HK$1,551/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$50,948/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,668
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,383
−HK$726/mo
Today · 4.125%
HK$28,109
baseline
▲ 0.50% · 4.625%
HK$29,590
+HK$1,481/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$56,218/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,820
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,779
−HK$974/mo
Today · 4.125%
HK$32,753
baseline
▲ 0.50% · 4.625%
HK$34,746
+HK$1,993/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$65,506/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,287
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,207
−HK$933/mo
Today · 4.125%
HK$36,140
baseline
▲ 0.50% · 4.625%
HK$38,045
+HK$1,905/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$72,280/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,269 · 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).