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$17,086
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,617
−HK$540/mo
Today · 4.125%
HK$18,157
baseline
▲ 0.50% · 4.625%
HK$19,262
+HK$1,105/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,314/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,008
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,518
−HK$517/mo
Today · 4.125%
HK$20,035
baseline
▲ 0.50% · 4.625%
HK$21,091
+HK$1,056/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,070/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,503
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,141
−HK$648/mo
Today · 4.125%
HK$21,789
baseline
▲ 0.50% · 4.625%
HK$23,114
+HK$1,325/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,578/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,809
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,421
−HK$621/mo
Today · 4.125%
HK$24,042
baseline
▲ 0.50% · 4.625%
HK$25,309
+HK$1,267/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,084/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,920
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,664
−HK$756/mo
Today · 4.125%
HK$25,420
baseline
▲ 0.50% · 4.625%
HK$26,967
+HK$1,547/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,840/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,611
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,325
−HK$724/mo
Today · 4.125%
HK$28,049
baseline
▲ 0.50% · 4.625%
HK$29,527
+HK$1,478/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,098/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,754
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,711
−HK$972/mo
Today · 4.125%
HK$32,683
baseline
▲ 0.50% · 4.625%
HK$34,672
+HK$1,989/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$65,366/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,214
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,132
−HK$930/mo
Today · 4.125%
HK$36,062
baseline
▲ 0.50% · 4.625%
HK$37,963
+HK$1,901/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$72,124/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,788 · 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).