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$17,106
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,638
−HK$541/mo
Today · 4.125%
HK$18,179
baseline
▲ 0.50% · 4.625%
HK$19,285
+HK$1,106/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,358/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,030
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,540
−HK$518/mo
Today · 4.125%
HK$20,058
baseline
▲ 0.50% · 4.625%
HK$21,116
+HK$1,058/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,116/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,527
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,166
−HK$648/mo
Today · 4.125%
HK$21,814
baseline
▲ 0.50% · 4.625%
HK$23,142
+HK$1,328/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,628/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,836
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,449
−HK$621/mo
Today · 4.125%
HK$24,070
baseline
▲ 0.50% · 4.625%
HK$25,339
+HK$1,269/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,140/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,948
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,693
−HK$757/mo
Today · 4.125%
HK$25,450
baseline
▲ 0.50% · 4.625%
HK$26,999
+HK$1,549/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,900/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,642
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,357
−HK$725/mo
Today · 4.125%
HK$28,082
baseline
▲ 0.50% · 4.625%
HK$29,562
+HK$1,480/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,164/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,791
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,748
−HK$973/mo
Today · 4.125%
HK$32,721
baseline
▲ 0.50% · 4.625%
HK$34,712
+HK$1,991/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$65,442/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$225,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,254
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,173
−HK$932/mo
Today · 4.125%
HK$36,105
baseline
▲ 0.50% · 4.625%
HK$38,008
+HK$1,903/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$72,210/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$225,052 · 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).