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$19,293
+HK$1,107/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$225,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,038
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,549
−HK$518/mo
Today · 4.125%
HK$20,067
baseline
▲ 0.50% · 4.625%
HK$21,125
+HK$1,058/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,134/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,536
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,175
−HK$649/mo
Today · 4.125%
HK$21,824
baseline
▲ 0.50% · 4.625%
HK$23,151
+HK$1,327/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,648/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,846
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,459
−HK$621/mo
Today · 4.125%
HK$24,080
baseline
▲ 0.50% · 4.625%
HK$25,349
+HK$1,269/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,160/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,958
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,704
−HK$757/mo
Today · 4.125%
HK$25,461
baseline
▲ 0.50% · 4.625%
HK$27,010
+HK$1,549/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,922/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,653
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,368
−HK$725/mo
Today · 4.125%
HK$28,093
baseline
▲ 0.50% · 4.625%
HK$29,574
+HK$1,481/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$225,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,804
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,762
−HK$973/mo
Today · 4.125%
HK$32,735
baseline
▲ 0.50% · 4.625%
HK$34,727
+HK$1,992/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$65,470/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,269
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,188
−HK$932/mo
Today · 4.125%
HK$36,120
baseline
▲ 0.50% · 4.625%
HK$38,024
+HK$1,904/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$72,240/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,148 · 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).