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$17,109
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,641
−HK$540/mo
Today · 4.125%
HK$18,181
baseline
▲ 0.50% · 4.625%
HK$19,288
+HK$1,107/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,362/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,033
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,544
−HK$517/mo
Today · 4.125%
HK$20,061
baseline
▲ 0.50% · 4.625%
HK$21,119
+HK$1,058/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,122/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,530
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,169
−HK$649/mo
Today · 4.125%
HK$21,818
baseline
▲ 0.50% · 4.625%
HK$23,145
+HK$1,327/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,636/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,840
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,452
−HK$622/mo
Today · 4.125%
HK$24,074
baseline
▲ 0.50% · 4.625%
HK$25,343
+HK$1,269/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,148/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,952
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,697
−HK$757/mo
Today · 4.125%
HK$25,454
baseline
▲ 0.50% · 4.625%
HK$27,003
+HK$1,549/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,908/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,646
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,361
−HK$725/mo
Today · 4.125%
HK$28,086
baseline
▲ 0.50% · 4.625%
HK$29,567
+HK$1,481/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,172/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,796
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,753
−HK$974/mo
Today · 4.125%
HK$32,727
baseline
▲ 0.50% · 4.625%
HK$34,718
+HK$1,991/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$65,454/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$225,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,260
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,179
−HK$932/mo
Today · 4.125%
HK$36,111
baseline
▲ 0.50% · 4.625%
HK$38,014
+HK$1,903/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$72,222/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$225,089 · 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).