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$17,084
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,615
−HK$540/mo
Today · 4.125%
HK$18,155
baseline
▲ 0.50% · 4.625%
HK$19,260
+HK$1,105/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,310/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,006
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,515
−HK$517/mo
Today · 4.125%
HK$20,032
baseline
▲ 0.50% · 4.625%
HK$21,088
+HK$1,056/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,064/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,501
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,138
−HK$648/mo
Today · 4.125%
HK$21,786
baseline
▲ 0.50% · 4.625%
HK$23,112
+HK$1,326/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,572/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,807
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,418
−HK$621/mo
Today · 4.125%
HK$24,039
baseline
▲ 0.50% · 4.625%
HK$25,306
+HK$1,267/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,078/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,917
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,661
−HK$756/mo
Today · 4.125%
HK$25,417
baseline
▲ 0.50% · 4.625%
HK$26,964
+HK$1,547/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$50,834/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,608
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,322
−HK$723/mo
Today · 4.125%
HK$28,045
baseline
▲ 0.50% · 4.625%
HK$29,524
+HK$1,479/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$56,090/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,751
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,708
−HK$971/mo
Today · 4.125%
HK$32,679
baseline
▲ 0.50% · 4.625%
HK$34,668
+HK$1,989/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$65,358/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,210
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,128
−HK$930/mo
Today · 4.125%
HK$36,058
baseline
▲ 0.50% · 4.625%
HK$37,959
+HK$1,901/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$72,116/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,763 · 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).