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$17,088
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,620
−HK$540/mo
Today · 4.125%
HK$18,160
baseline
▲ 0.50% · 4.625%
HK$19,265
+HK$1,105/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,320/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,011
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,521
−HK$517/mo
Today · 4.125%
HK$20,038
baseline
▲ 0.50% · 4.625%
HK$21,094
+HK$1,056/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,076/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,506
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,144
−HK$648/mo
Today · 4.125%
HK$21,792
baseline
▲ 0.50% · 4.625%
HK$23,118
+HK$1,326/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,584/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,813
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,425
−HK$620/mo
Today · 4.125%
HK$24,045
baseline
▲ 0.50% · 4.625%
HK$25,313
+HK$1,268/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,090/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,924
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,668
−HK$756/mo
Today · 4.125%
HK$25,424
baseline
▲ 0.50% · 4.625%
HK$26,971
+HK$1,547/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,848/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,615
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,329
−HK$724/mo
Today · 4.125%
HK$28,053
baseline
▲ 0.50% · 4.625%
HK$29,532
+HK$1,479/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,106/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,759
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,716
−HK$972/mo
Today · 4.125%
HK$32,688
baseline
▲ 0.50% · 4.625%
HK$34,677
+HK$1,989/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$65,376/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,219
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,137
−HK$931/mo
Today · 4.125%
HK$36,068
baseline
▲ 0.50% · 4.625%
HK$37,969
+HK$1,901/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$72,136/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,823 · 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).