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$17,115
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,647
−HK$541/mo
Today · 4.125%
HK$18,188
baseline
▲ 0.50% · 4.625%
HK$19,295
+HK$1,107/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,376/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,040
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,551
−HK$518/mo
Today · 4.125%
HK$20,069
baseline
▲ 0.50% · 4.625%
HK$21,127
+HK$1,058/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,138/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,538
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,177
−HK$649/mo
Today · 4.125%
HK$21,826
baseline
▲ 0.50% · 4.625%
HK$23,154
+HK$1,328/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,652/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,848
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,461
−HK$622/mo
Today · 4.125%
HK$24,083
baseline
▲ 0.50% · 4.625%
HK$25,352
+HK$1,269/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,166/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,961
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,706
−HK$758/mo
Today · 4.125%
HK$25,464
baseline
▲ 0.50% · 4.625%
HK$27,013
+HK$1,549/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,928/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,656
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,371
−HK$726/mo
Today · 4.125%
HK$28,097
baseline
▲ 0.50% · 4.625%
HK$29,578
+HK$1,481/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,194/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,807
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,765
−HK$974/mo
Today · 4.125%
HK$32,739
baseline
▲ 0.50% · 4.625%
HK$34,731
+HK$1,992/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$65,478/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,273
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,192
−HK$932/mo
Today · 4.125%
HK$36,124
baseline
▲ 0.50% · 4.625%
HK$38,028
+HK$1,904/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$72,248/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,173 · 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).