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$17,096
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,628
−HK$540/mo
Today · 4.125%
HK$18,168
baseline
▲ 0.50% · 4.625%
HK$19,274
+HK$1,106/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,336/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,019
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,529
−HK$518/mo
Today · 4.125%
HK$20,047
baseline
▲ 0.50% · 4.625%
HK$21,103
+HK$1,056/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,094/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,515
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,153
−HK$649/mo
Today · 4.125%
HK$21,802
baseline
▲ 0.50% · 4.625%
HK$23,128
+HK$1,326/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,604/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,823
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,435
−HK$621/mo
Today · 4.125%
HK$24,056
baseline
▲ 0.50% · 4.625%
HK$25,324
+HK$1,268/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,112/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,935
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,679
−HK$756/mo
Today · 4.125%
HK$25,435
baseline
▲ 0.50% · 4.625%
HK$26,983
+HK$1,548/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,870/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,627
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,341
−HK$725/mo
Today · 4.125%
HK$28,066
baseline
▲ 0.50% · 4.625%
HK$29,545
+HK$1,479/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,132/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,773
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,730
−HK$973/mo
Today · 4.125%
HK$32,703
baseline
▲ 0.50% · 4.625%
HK$34,693
+HK$1,990/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$65,406/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$224,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,235
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,153
−HK$931/mo
Today · 4.125%
HK$36,084
baseline
▲ 0.50% · 4.625%
HK$37,986
+HK$1,902/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$72,168/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$224,924 · 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).