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$17,119
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,651
−HK$542/mo
Today · 4.125%
HK$18,193
baseline
▲ 0.50% · 4.625%
HK$19,299
+HK$1,106/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,386/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,045
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,555
−HK$519/mo
Today · 4.125%
HK$20,074
baseline
▲ 0.50% · 4.625%
HK$21,132
+HK$1,058/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,148/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,543
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,182
−HK$649/mo
Today · 4.125%
HK$21,831
baseline
▲ 0.50% · 4.625%
HK$23,159
+HK$1,328/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,662/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,854
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,467
−HK$621/mo
Today · 4.125%
HK$24,088
baseline
▲ 0.50% · 4.625%
HK$25,358
+HK$1,270/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,176/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,967
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,712
−HK$758/mo
Today · 4.125%
HK$25,470
baseline
▲ 0.50% · 4.625%
HK$27,019
+HK$1,549/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$50,940/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,663
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,378
−HK$725/mo
Today · 4.125%
HK$28,103
baseline
▲ 0.50% · 4.625%
HK$29,584
+HK$1,481/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$56,206/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,814
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,773
−HK$974/mo
Today · 4.125%
HK$32,747
baseline
▲ 0.50% · 4.625%
HK$34,739
+HK$1,992/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$65,494/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,280
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,200
−HK$933/mo
Today · 4.125%
HK$36,133
baseline
▲ 0.50% · 4.625%
HK$38,037
+HK$1,904/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$72,266/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,225 · 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).