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$17,093
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,625
−HK$540/mo
Today · 4.125%
HK$18,165
baseline
▲ 0.50% · 4.625%
HK$19,271
+HK$1,106/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,330/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,016
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,526
−HK$518/mo
Today · 4.125%
HK$20,044
baseline
▲ 0.50% · 4.625%
HK$21,100
+HK$1,056/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,088/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,512
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,150
−HK$648/mo
Today · 4.125%
HK$21,798
baseline
▲ 0.50% · 4.625%
HK$23,125
+HK$1,327/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,596/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,819
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,431
−HK$621/mo
Today · 4.125%
HK$24,052
baseline
▲ 0.50% · 4.625%
HK$25,320
+HK$1,268/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,104/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,931
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,675
−HK$756/mo
Today · 4.125%
HK$25,431
baseline
▲ 0.50% · 4.625%
HK$26,979
+HK$1,548/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,862/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,623
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,337
−HK$724/mo
Today · 4.125%
HK$28,061
baseline
▲ 0.50% · 4.625%
HK$29,540
+HK$1,479/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,122/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,768
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,725
−HK$972/mo
Today · 4.125%
HK$32,697
baseline
▲ 0.50% · 4.625%
HK$34,687
+HK$1,990/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$65,394/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$224,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,229
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,147
−HK$931/mo
Today · 4.125%
HK$36,078
baseline
▲ 0.50% · 4.625%
HK$37,980
+HK$1,902/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$72,156/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$224,887 · 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).