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$17,085
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,616
−HK$540/mo
Today · 4.125%
HK$18,156
baseline
▲ 0.50% · 4.625%
HK$19,261
+HK$1,105/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,312/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,007
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,516
−HK$517/mo
Today · 4.125%
HK$20,033
baseline
▲ 0.50% · 4.625%
HK$21,089
+HK$1,056/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,066/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,502
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,139
−HK$648/mo
Today · 4.125%
HK$21,787
baseline
▲ 0.50% · 4.625%
HK$23,113
+HK$1,326/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,574/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,808
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,420
−HK$620/mo
Today · 4.125%
HK$24,040
baseline
▲ 0.50% · 4.625%
HK$25,307
+HK$1,267/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,080/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,919
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,663
−HK$756/mo
Today · 4.125%
HK$25,419
baseline
▲ 0.50% · 4.625%
HK$26,965
+HK$1,546/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$50,838/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,609
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,323
−HK$724/mo
Today · 4.125%
HK$28,047
baseline
▲ 0.50% · 4.625%
HK$29,525
+HK$1,478/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$56,094/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,753
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,709
−HK$972/mo
Today · 4.125%
HK$32,681
baseline
▲ 0.50% · 4.625%
HK$34,670
+HK$1,989/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$65,362/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,212
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,129
−HK$931/mo
Today · 4.125%
HK$36,060
baseline
▲ 0.50% · 4.625%
HK$37,961
+HK$1,901/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$72,120/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,774 · 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).