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$17,087
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,618
−HK$540/mo
Today · 4.125%
HK$18,158
baseline
▲ 0.50% · 4.625%
HK$19,263
+HK$1,105/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,316/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,009
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,518
−HK$518/mo
Today · 4.125%
HK$20,036
baseline
▲ 0.50% · 4.625%
HK$21,092
+HK$1,056/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,072/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,504
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,142
−HK$648/mo
Today · 4.125%
HK$21,790
baseline
▲ 0.50% · 4.625%
HK$23,115
+HK$1,325/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,580/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,810
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,422
−HK$621/mo
Today · 4.125%
HK$24,043
baseline
▲ 0.50% · 4.625%
HK$25,310
+HK$1,267/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,086/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,921
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,665
−HK$756/mo
Today · 4.125%
HK$25,421
baseline
▲ 0.50% · 4.625%
HK$26,968
+HK$1,547/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,842/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,612
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,326
−HK$724/mo
Today · 4.125%
HK$28,050
baseline
▲ 0.50% · 4.625%
HK$29,528
+HK$1,478/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,100/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,756
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,712
−HK$972/mo
Today · 4.125%
HK$32,684
baseline
▲ 0.50% · 4.625%
HK$34,673
+HK$1,989/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$65,368/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,215
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,133
−HK$931/mo
Today · 4.125%
HK$36,064
baseline
▲ 0.50% · 4.625%
HK$37,965
+HK$1,901/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$72,128/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,798 · 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).