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$17,089
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,621
−HK$540/mo
Today · 4.125%
HK$18,161
baseline
▲ 0.50% · 4.625%
HK$19,266
+HK$1,105/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,322/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,012
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,522
−HK$517/mo
Today · 4.125%
HK$20,039
baseline
▲ 0.50% · 4.625%
HK$21,095
+HK$1,056/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,078/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,507
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,145
−HK$648/mo
Today · 4.125%
HK$21,793
baseline
▲ 0.50% · 4.625%
HK$23,119
+HK$1,326/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,586/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,814
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,426
−HK$621/mo
Today · 4.125%
HK$24,047
baseline
▲ 0.50% · 4.625%
HK$25,314
+HK$1,267/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,094/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,925
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,669
−HK$756/mo
Today · 4.125%
HK$25,425
baseline
▲ 0.50% · 4.625%
HK$26,972
+HK$1,547/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,850/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,616
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,330
−HK$724/mo
Today · 4.125%
HK$28,054
baseline
▲ 0.50% · 4.625%
HK$29,533
+HK$1,479/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,108/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,761
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,718
−HK$972/mo
Today · 4.125%
HK$32,690
baseline
▲ 0.50% · 4.625%
HK$34,679
+HK$1,989/mo
Deposit HK$749K · loan HK$6.75M · min. income ≈ HK$65,380/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,221
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,139
−HK$931/mo
Today · 4.125%
HK$36,070
baseline
▲ 0.50% · 4.625%
HK$37,971
+HK$1,901/mo
Deposit HK$749K · loan HK$6.75M · min. income ≈ HK$72,140/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,834 · 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).