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$17,113
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,645
−HK$541/mo
Today · 4.125%
HK$18,186
baseline
▲ 0.50% · 4.625%
HK$19,292
+HK$1,106/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,372/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,038
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,548
−HK$518/mo
Today · 4.125%
HK$20,066
baseline
▲ 0.50% · 4.625%
HK$21,124
+HK$1,058/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,132/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,535
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,174
−HK$649/mo
Today · 4.125%
HK$21,823
baseline
▲ 0.50% · 4.625%
HK$23,151
+HK$1,328/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,646/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,845
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,458
−HK$621/mo
Today · 4.125%
HK$24,079
baseline
▲ 0.50% · 4.625%
HK$25,349
+HK$1,270/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,158/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,958
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,703
−HK$757/mo
Today · 4.125%
HK$25,460
baseline
▲ 0.50% · 4.625%
HK$27,009
+HK$1,549/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,920/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,653
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,367
−HK$726/mo
Today · 4.125%
HK$28,093
baseline
▲ 0.50% · 4.625%
HK$29,573
+HK$1,480/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,186/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,803
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,761
−HK$973/mo
Today · 4.125%
HK$32,734
baseline
▲ 0.50% · 4.625%
HK$34,726
+HK$1,992/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$65,468/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,268
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,187
−HK$932/mo
Today · 4.125%
HK$36,119
baseline
▲ 0.50% · 4.625%
HK$38,023
+HK$1,904/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$72,238/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,141 · 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).