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$17,120
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,653
−HK$541/mo
Today · 4.125%
HK$18,194
baseline
▲ 0.50% · 4.625%
HK$19,301
+HK$1,107/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,388/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,046
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,557
−HK$518/mo
Today · 4.125%
HK$20,075
baseline
▲ 0.50% · 4.625%
HK$21,133
+HK$1,058/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,150/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,544
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,183
−HK$649/mo
Today · 4.125%
HK$21,832
baseline
▲ 0.50% · 4.625%
HK$23,161
+HK$1,329/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,664/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,855
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,468
−HK$622/mo
Today · 4.125%
HK$24,090
baseline
▲ 0.50% · 4.625%
HK$25,360
+HK$1,270/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,180/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,968
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,714
−HK$757/mo
Today · 4.125%
HK$25,471
baseline
▲ 0.50% · 4.625%
HK$27,021
+HK$1,550/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$50,942/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,664
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,379
−HK$726/mo
Today · 4.125%
HK$28,105
baseline
▲ 0.50% · 4.625%
HK$29,586
+HK$1,481/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$56,210/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,816
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,775
−HK$973/mo
Today · 4.125%
HK$32,748
baseline
▲ 0.50% · 4.625%
HK$34,741
+HK$1,993/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$65,496/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,282
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,202
−HK$933/mo
Today · 4.125%
HK$36,135
baseline
▲ 0.50% · 4.625%
HK$38,039
+HK$1,904/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$72,270/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,238 · 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).