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$17,123
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,656
−HK$541/mo
Today · 4.125%
HK$18,197
baseline
▲ 0.50% · 4.625%
HK$19,304
+HK$1,107/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,394/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,050
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,560
−HK$519/mo
Today · 4.125%
HK$20,079
baseline
▲ 0.50% · 4.625%
HK$21,137
+HK$1,058/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,158/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,548
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,187
−HK$650/mo
Today · 4.125%
HK$21,837
baseline
▲ 0.50% · 4.625%
HK$23,165
+HK$1,328/mo
Deposit HK$3.00M · loan HK$4.51M · min. income ≈ HK$43,674/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,859
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,473
−HK$621/mo
Today · 4.125%
HK$24,094
baseline
▲ 0.50% · 4.625%
HK$25,365
+HK$1,271/mo
Deposit HK$3.00M · loan HK$4.51M · min. income ≈ HK$48,188/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,973
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,718
−HK$758/mo
Today · 4.125%
HK$25,476
baseline
▲ 0.50% · 4.625%
HK$27,026
+HK$1,550/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$50,952/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,669
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,385
−HK$725/mo
Today · 4.125%
HK$28,110
baseline
▲ 0.50% · 4.625%
HK$29,592
+HK$1,482/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$56,220/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,822
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,781
−HK$974/mo
Today · 4.125%
HK$32,755
baseline
▲ 0.50% · 4.625%
HK$34,748
+HK$1,993/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$65,510/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,289
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,209
−HK$933/mo
Today · 4.125%
HK$36,142
baseline
▲ 0.50% · 4.625%
HK$38,047
+HK$1,905/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$72,284/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,282 · 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).