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$17,116
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,648
−HK$541/mo
Today · 4.125%
HK$18,189
baseline
▲ 0.50% · 4.625%
HK$19,296
+HK$1,107/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,378/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,041
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,552
−HK$518/mo
Today · 4.125%
HK$20,070
baseline
▲ 0.50% · 4.625%
HK$21,128
+HK$1,058/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,140/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,539
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,178
−HK$649/mo
Today · 4.125%
HK$21,827
baseline
▲ 0.50% · 4.625%
HK$23,155
+HK$1,328/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,654/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,849
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,462
−HK$622/mo
Today · 4.125%
HK$24,084
baseline
▲ 0.50% · 4.625%
HK$25,353
+HK$1,269/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,168/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,962
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,707
−HK$758/mo
Today · 4.125%
HK$25,465
baseline
▲ 0.50% · 4.625%
HK$27,014
+HK$1,549/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,930/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,657
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,372
−HK$726/mo
Today · 4.125%
HK$28,098
baseline
▲ 0.50% · 4.625%
HK$29,579
+HK$1,481/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,196/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,808
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,767
−HK$973/mo
Today · 4.125%
HK$32,740
baseline
▲ 0.50% · 4.625%
HK$34,732
+HK$1,992/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$65,480/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,274
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,193
−HK$933/mo
Today · 4.125%
HK$36,126
baseline
▲ 0.50% · 4.625%
HK$38,030
+HK$1,904/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$72,252/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,181 · 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).