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$17,080
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,611
−HK$540/mo
Today · 4.125%
HK$18,151
baseline
▲ 0.50% · 4.625%
HK$19,255
+HK$1,104/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,302/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,001
−HK$1,026/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$224,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,495
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,133
−HK$648/mo
Today · 4.125%
HK$21,781
baseline
▲ 0.50% · 4.625%
HK$23,106
+HK$1,325/mo
Deposit HK$3.00M · loan HK$4.49M · min. income ≈ HK$43,562/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,801
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,412
−HK$621/mo
Today · 4.125%
HK$24,033
baseline
▲ 0.50% · 4.625%
HK$25,300
+HK$1,267/mo
Deposit HK$3.00M · loan HK$4.49M · min. income ≈ HK$48,066/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,911
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,655
−HK$756/mo
Today · 4.125%
HK$25,411
baseline
▲ 0.50% · 4.625%
HK$26,957
+HK$1,546/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$50,822/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,601
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,315
−HK$723/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$224,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,743
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,699
−HK$972/mo
Today · 4.125%
HK$32,671
baseline
▲ 0.50% · 4.625%
HK$34,659
+HK$1,988/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$65,342/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,201
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,119
−HK$930/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$224,706 · 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).