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$17,079
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,610
−HK$540/mo
Today · 4.125%
HK$18,150
baseline
▲ 0.50% · 4.625%
HK$19,255
+HK$1,105/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,300/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,000
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,510
−HK$517/mo
Today · 4.125%
HK$20,027
baseline
▲ 0.50% · 4.625%
HK$21,083
+HK$1,056/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,054/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,495
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,133
−HK$647/mo
Today · 4.125%
HK$21,780
baseline
▲ 0.50% · 4.625%
HK$23,106
+HK$1,326/mo
Deposit HK$3.00M · loan HK$4.49M · min. income ≈ HK$43,560/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,801
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,412
−HK$620/mo
Today · 4.125%
HK$24,032
baseline
▲ 0.50% · 4.625%
HK$25,299
+HK$1,267/mo
Deposit HK$3.00M · loan HK$4.49M · min. income ≈ HK$48,064/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,911
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,655
−HK$755/mo
Today · 4.125%
HK$25,410
baseline
▲ 0.50% · 4.625%
HK$26,956
+HK$1,546/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$50,820/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,601
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,314
−HK$724/mo
Today · 4.125%
HK$28,038
baseline
▲ 0.50% · 4.625%
HK$29,516
+HK$1,478/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$56,076/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,743
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,699
−HK$971/mo
Today · 4.125%
HK$32,670
baseline
▲ 0.50% · 4.625%
HK$34,658
+HK$1,988/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$65,340/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,201
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,118
−HK$931/mo
Today · 4.125%
HK$36,049
baseline
▲ 0.50% · 4.625%
HK$37,949
+HK$1,900/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$72,098/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,702 · 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).