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$17,124
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,657
−HK$541/mo
Today · 4.125%
HK$18,198
baseline
▲ 0.50% · 4.625%
HK$19,305
+HK$1,107/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,396/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,050
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,561
−HK$519/mo
Today · 4.125%
HK$20,080
baseline
▲ 0.50% · 4.625%
HK$21,138
+HK$1,058/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,160/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,549
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,188
−HK$650/mo
Today · 4.125%
HK$21,838
baseline
▲ 0.50% · 4.625%
HK$23,166
+HK$1,328/mo
Deposit HK$3.00M · loan HK$4.51M · min. income ≈ HK$43,676/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,860
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,474
−HK$622/mo
Today · 4.125%
HK$24,096
baseline
▲ 0.50% · 4.625%
HK$25,366
+HK$1,270/mo
Deposit HK$3.00M · loan HK$4.51M · min. income ≈ HK$48,192/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,974
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,719
−HK$758/mo
Today · 4.125%
HK$25,477
baseline
▲ 0.50% · 4.625%
HK$27,027
+HK$1,550/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$50,954/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,671
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,386
−HK$726/mo
Today · 4.125%
HK$28,112
baseline
▲ 0.50% · 4.625%
HK$29,593
+HK$1,481/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$56,224/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,823
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,782
−HK$974/mo
Today · 4.125%
HK$32,756
baseline
▲ 0.50% · 4.625%
HK$34,749
+HK$1,993/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$65,512/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,291
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,210
−HK$933/mo
Today · 4.125%
HK$36,143
baseline
▲ 0.50% · 4.625%
HK$38,049
+HK$1,906/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$72,286/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,292 · 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).