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$17,098
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,630
−HK$540/mo
Today · 4.125%
HK$18,170
baseline
▲ 0.50% · 4.625%
HK$19,276
+HK$1,106/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,340/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,021
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,531
−HK$518/mo
Today · 4.125%
HK$20,049
baseline
▲ 0.50% · 4.625%
HK$21,106
+HK$1,057/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,098/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,517
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,156
−HK$648/mo
Today · 4.125%
HK$21,804
baseline
▲ 0.50% · 4.625%
HK$23,131
+HK$1,327/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,608/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,825
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,438
−HK$621/mo
Today · 4.125%
HK$24,059
baseline
▲ 0.50% · 4.625%
HK$25,327
+HK$1,268/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,118/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,937
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,682
−HK$756/mo
Today · 4.125%
HK$25,438
baseline
▲ 0.50% · 4.625%
HK$26,986
+HK$1,548/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,876/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,630
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,344
−HK$724/mo
Today · 4.125%
HK$28,068
baseline
▲ 0.50% · 4.625%
HK$29,548
+HK$1,480/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,136/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,776
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,733
−HK$973/mo
Today · 4.125%
HK$32,706
baseline
▲ 0.50% · 4.625%
HK$34,696
+HK$1,990/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$65,412/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$224,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,238
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,156
−HK$932/mo
Today · 4.125%
HK$36,088
baseline
▲ 0.50% · 4.625%
HK$37,990
+HK$1,902/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$72,176/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$224,947 · 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).