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$17,087
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,619
−HK$540/mo
Today · 4.125%
HK$18,159
baseline
▲ 0.50% · 4.625%
HK$19,263
+HK$1,104/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,318/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,009
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,519
−HK$517/mo
Today · 4.125%
HK$20,036
baseline
▲ 0.50% · 4.625%
HK$21,092
+HK$1,056/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,072/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,504
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,142
−HK$648/mo
Today · 4.125%
HK$21,790
baseline
▲ 0.50% · 4.625%
HK$23,116
+HK$1,326/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,580/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,811
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,423
−HK$620/mo
Today · 4.125%
HK$24,043
baseline
▲ 0.50% · 4.625%
HK$25,311
+HK$1,268/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,086/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,922
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,666
−HK$756/mo
Today · 4.125%
HK$25,422
baseline
▲ 0.50% · 4.625%
HK$26,969
+HK$1,547/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,844/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,613
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,327
−HK$724/mo
Today · 4.125%
HK$28,051
baseline
▲ 0.50% · 4.625%
HK$29,529
+HK$1,478/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,102/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,757
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,713
−HK$972/mo
Today · 4.125%
HK$32,685
baseline
▲ 0.50% · 4.625%
HK$34,674
+HK$1,989/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$65,370/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,216
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,134
−HK$931/mo
Today · 4.125%
HK$36,065
baseline
▲ 0.50% · 4.625%
HK$37,966
+HK$1,901/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$72,130/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,804 · 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).