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$17,090
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,622
−HK$540/mo
Today · 4.125%
HK$18,162
baseline
▲ 0.50% · 4.625%
HK$19,267
+HK$1,105/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,324/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,012
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,522
−HK$518/mo
Today · 4.125%
HK$20,040
baseline
▲ 0.50% · 4.625%
HK$21,096
+HK$1,056/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,080/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,508
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,146
−HK$648/mo
Today · 4.125%
HK$21,794
baseline
▲ 0.50% · 4.625%
HK$23,120
+HK$1,326/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,588/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,815
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,427
−HK$620/mo
Today · 4.125%
HK$24,047
baseline
▲ 0.50% · 4.625%
HK$25,315
+HK$1,268/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,094/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,926
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,670
−HK$756/mo
Today · 4.125%
HK$25,426
baseline
▲ 0.50% · 4.625%
HK$26,973
+HK$1,547/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,852/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,617
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,331
−HK$724/mo
Today · 4.125%
HK$28,055
baseline
▲ 0.50% · 4.625%
HK$29,534
+HK$1,479/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,110/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,762
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,719
−HK$972/mo
Today · 4.125%
HK$32,691
baseline
▲ 0.50% · 4.625%
HK$34,680
+HK$1,989/mo
Deposit HK$749K · loan HK$6.75M · min. income ≈ HK$65,382/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,222
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,140
−HK$931/mo
Today · 4.125%
HK$36,071
baseline
▲ 0.50% · 4.625%
HK$37,973
+HK$1,902/mo
Deposit HK$749K · loan HK$6.75M · min. income ≈ HK$72,142/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,842 · 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).