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$17,091
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,622
−HK$540/mo
Today · 4.125%
HK$18,162
baseline
▲ 0.50% · 4.625%
HK$19,268
+HK$1,106/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,324/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,013
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,523
−HK$517/mo
Today · 4.125%
HK$20,040
baseline
▲ 0.50% · 4.625%
HK$21,097
+HK$1,057/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,080/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,509
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,147
−HK$648/mo
Today · 4.125%
HK$21,795
baseline
▲ 0.50% · 4.625%
HK$23,121
+HK$1,326/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,590/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,816
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,428
−HK$621/mo
Today · 4.125%
HK$24,049
baseline
▲ 0.50% · 4.625%
HK$25,316
+HK$1,267/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,098/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,927
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,671
−HK$756/mo
Today · 4.125%
HK$25,427
baseline
▲ 0.50% · 4.625%
HK$26,975
+HK$1,548/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,854/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,619
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,332
−HK$725/mo
Today · 4.125%
HK$28,057
baseline
▲ 0.50% · 4.625%
HK$29,536
+HK$1,479/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,114/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,763
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,720
−HK$972/mo
Today · 4.125%
HK$32,692
baseline
▲ 0.50% · 4.625%
HK$34,682
+HK$1,990/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$65,384/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,224
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,142
−HK$931/mo
Today · 4.125%
HK$36,073
baseline
▲ 0.50% · 4.625%
HK$37,974
+HK$1,901/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$72,146/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,853 · 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).