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$17,119
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,651
−HK$541/mo
Today · 4.125%
HK$18,192
baseline
▲ 0.50% · 4.625%
HK$19,299
+HK$1,107/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$225,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,045
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,555
−HK$519/mo
Today · 4.125%
HK$20,074
baseline
▲ 0.50% · 4.625%
HK$21,132
+HK$1,058/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,148/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,543
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,182
−HK$649/mo
Today · 4.125%
HK$21,831
baseline
▲ 0.50% · 4.625%
HK$23,159
+HK$1,328/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,662/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,854
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,467
−HK$621/mo
Today · 4.125%
HK$24,088
baseline
▲ 0.50% · 4.625%
HK$25,358
+HK$1,270/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,176/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,967
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,712
−HK$757/mo
Today · 4.125%
HK$25,469
baseline
▲ 0.50% · 4.625%
HK$27,019
+HK$1,550/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$50,938/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,663
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,378
−HK$725/mo
Today · 4.125%
HK$28,103
baseline
▲ 0.50% · 4.625%
HK$29,584
+HK$1,481/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$56,206/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,814
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,773
−HK$973/mo
Today · 4.125%
HK$32,746
baseline
▲ 0.50% · 4.625%
HK$34,739
+HK$1,993/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$65,492/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,280
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,200
−HK$932/mo
Today · 4.125%
HK$36,132
baseline
▲ 0.50% · 4.625%
HK$38,037
+HK$1,905/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$72,264/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,225 · 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).