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$17,083
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,615
−HK$539/mo
Today · 4.125%
HK$18,154
baseline
▲ 0.50% · 4.625%
HK$19,259
+HK$1,105/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,308/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,005
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,515
−HK$517/mo
Today · 4.125%
HK$20,032
baseline
▲ 0.50% · 4.625%
HK$21,088
+HK$1,056/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,064/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,500
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,137
−HK$648/mo
Today · 4.125%
HK$21,785
baseline
▲ 0.50% · 4.625%
HK$23,111
+HK$1,326/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,570/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,806
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,417
−HK$621/mo
Today · 4.125%
HK$24,038
baseline
▲ 0.50% · 4.625%
HK$25,305
+HK$1,267/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,076/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,916
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,660
−HK$756/mo
Today · 4.125%
HK$25,416
baseline
▲ 0.50% · 4.625%
HK$26,963
+HK$1,547/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$50,832/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,607
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,320
−HK$724/mo
Today · 4.125%
HK$28,044
baseline
▲ 0.50% · 4.625%
HK$29,523
+HK$1,479/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$56,088/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,750
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,706
−HK$972/mo
Today · 4.125%
HK$32,678
baseline
▲ 0.50% · 4.625%
HK$34,666
+HK$1,988/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$65,356/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,209
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,126
−HK$931/mo
Today · 4.125%
HK$36,057
baseline
▲ 0.50% · 4.625%
HK$37,958
+HK$1,901/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$72,114/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,754 · 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).