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$1,073/mo
▼ 0.25% · 3.875%
HK$17,655
−HK$541/mo
Today · 4.125%
HK$18,196
baseline
▲ 0.50% · 4.625%
HK$19,304
+HK$1,108/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,392/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,049
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,560
−HK$518/mo
Today · 4.125%
HK$20,078
baseline
▲ 0.50% · 4.625%
HK$21,136
+HK$1,058/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,156/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,547
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,186
−HK$650/mo
Today · 4.125%
HK$21,836
baseline
▲ 0.50% · 4.625%
HK$23,164
+HK$1,328/mo
Deposit HK$3.00M · loan HK$4.51M · min. income ≈ HK$43,672/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,859
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,472
−HK$622/mo
Today · 4.125%
HK$24,094
baseline
▲ 0.50% · 4.625%
HK$25,364
+HK$1,270/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$225,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,972
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,717
−HK$758/mo
Today · 4.125%
HK$25,475
baseline
▲ 0.50% · 4.625%
HK$27,025
+HK$1,550/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$50,950/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,668
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,384
−HK$725/mo
Today · 4.125%
HK$28,109
baseline
▲ 0.50% · 4.625%
HK$29,591
+HK$1,482/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$56,218/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,821
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,780
−HK$974/mo
Today · 4.125%
HK$32,754
baseline
▲ 0.50% · 4.625%
HK$34,747
+HK$1,993/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$65,508/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,288
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,208
−HK$932/mo
Today · 4.125%
HK$36,140
baseline
▲ 0.50% · 4.625%
HK$38,045
+HK$1,905/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$72,280/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,274 · 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).