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$17,102
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,634
−HK$541/mo
Today · 4.125%
HK$18,175
baseline
▲ 0.50% · 4.625%
HK$19,280
+HK$1,105/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,350/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,026
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,536
−HK$518/mo
Today · 4.125%
HK$20,054
baseline
▲ 0.50% · 4.625%
HK$21,111
+HK$1,057/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,108/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,523
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,161
−HK$648/mo
Today · 4.125%
HK$21,809
baseline
▲ 0.50% · 4.625%
HK$23,137
+HK$1,328/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,618/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,831
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,443
−HK$622/mo
Today · 4.125%
HK$24,065
baseline
▲ 0.50% · 4.625%
HK$25,333
+HK$1,268/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,130/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,943
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,688
−HK$756/mo
Today · 4.125%
HK$25,444
baseline
▲ 0.50% · 4.625%
HK$26,993
+HK$1,549/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,888/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,636
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,351
−HK$724/mo
Today · 4.125%
HK$28,075
baseline
▲ 0.50% · 4.625%
HK$29,555
+HK$1,480/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,150/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,784
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,741
−HK$973/mo
Today · 4.125%
HK$32,714
baseline
▲ 0.50% · 4.625%
HK$34,705
+HK$1,991/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$65,428/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$225,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,247
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,165
−HK$932/mo
Today · 4.125%
HK$36,097
baseline
▲ 0.50% · 4.625%
HK$38,000
+HK$1,903/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$72,194/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$225,003 · 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).