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$17,114
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,646
−HK$541/mo
Today · 4.125%
HK$18,187
baseline
▲ 0.50% · 4.625%
HK$19,294
+HK$1,107/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,374/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,039
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,550
−HK$518/mo
Today · 4.125%
HK$20,068
baseline
▲ 0.50% · 4.625%
HK$21,126
+HK$1,058/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,136/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,537
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,176
−HK$649/mo
Today · 4.125%
HK$21,825
baseline
▲ 0.50% · 4.625%
HK$23,153
+HK$1,328/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,650/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,847
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,460
−HK$621/mo
Today · 4.125%
HK$24,081
baseline
▲ 0.50% · 4.625%
HK$25,351
+HK$1,270/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,162/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,960
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,705
−HK$757/mo
Today · 4.125%
HK$25,462
baseline
▲ 0.50% · 4.625%
HK$27,011
+HK$1,549/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,924/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,655
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,370
−HK$725/mo
Today · 4.125%
HK$28,095
baseline
▲ 0.50% · 4.625%
HK$29,576
+HK$1,481/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,190/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,805
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,763
−HK$974/mo
Today · 4.125%
HK$32,737
baseline
▲ 0.50% · 4.625%
HK$34,729
+HK$1,992/mo
Deposit HK$751K · loan HK$6.75M · min. income ≈ HK$65,474/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,270
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,190
−HK$932/mo
Today · 4.125%
HK$36,122
baseline
▲ 0.50% · 4.625%
HK$38,026
+HK$1,904/mo
Deposit HK$751K · loan HK$6.75M · min. income ≈ HK$72,244/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,160 · 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).