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$17,093
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,624
−HK$540/mo
Today · 4.125%
HK$18,164
baseline
▲ 0.50% · 4.625%
HK$19,270
+HK$1,106/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,328/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,015
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,525
−HK$518/mo
Today · 4.125%
HK$20,043
baseline
▲ 0.50% · 4.625%
HK$21,099
+HK$1,056/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,086/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,511
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,149
−HK$648/mo
Today · 4.125%
HK$21,797
baseline
▲ 0.50% · 4.625%
HK$23,124
+HK$1,327/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,594/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,818
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,430
−HK$621/mo
Today · 4.125%
HK$24,051
baseline
▲ 0.50% · 4.625%
HK$25,319
+HK$1,268/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,102/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,930
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,674
−HK$756/mo
Today · 4.125%
HK$25,430
baseline
▲ 0.50% · 4.625%
HK$26,977
+HK$1,547/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,860/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,621
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,335
−HK$725/mo
Today · 4.125%
HK$28,060
baseline
▲ 0.50% · 4.625%
HK$29,539
+HK$1,479/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,120/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,767
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,724
−HK$972/mo
Today · 4.125%
HK$32,696
baseline
▲ 0.50% · 4.625%
HK$34,685
+HK$1,989/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$65,392/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,227
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,145
−HK$932/mo
Today · 4.125%
HK$36,077
baseline
▲ 0.50% · 4.625%
HK$37,978
+HK$1,901/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$72,154/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,877 · 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).