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$17,118
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,651
−HK$541/mo
Today · 4.125%
HK$18,192
baseline
▲ 0.50% · 4.625%
HK$19,298
+HK$1,106/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,384/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,044
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,554
−HK$519/mo
Today · 4.125%
HK$20,073
baseline
▲ 0.50% · 4.625%
HK$21,131
+HK$1,058/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,146/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,542
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,181
−HK$649/mo
Today · 4.125%
HK$21,830
baseline
▲ 0.50% · 4.625%
HK$23,158
+HK$1,328/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,660/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,852
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,465
−HK$622/mo
Today · 4.125%
HK$24,087
baseline
▲ 0.50% · 4.625%
HK$25,357
+HK$1,270/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,174/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,965
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,711
−HK$757/mo
Today · 4.125%
HK$25,468
baseline
▲ 0.50% · 4.625%
HK$27,018
+HK$1,550/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,936/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,661
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,376
−HK$726/mo
Today · 4.125%
HK$28,102
baseline
▲ 0.50% · 4.625%
HK$29,583
+HK$1,481/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,204/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,813
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,771
−HK$974/mo
Today · 4.125%
HK$32,745
baseline
▲ 0.50% · 4.625%
HK$34,737
+HK$1,992/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$65,490/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,279
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,198
−HK$933/mo
Today · 4.125%
HK$36,131
baseline
▲ 0.50% · 4.625%
HK$38,035
+HK$1,904/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$72,262/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,214 · 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).