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$17,107
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,639
−HK$540/mo
Today · 4.125%
HK$18,179
baseline
▲ 0.50% · 4.625%
HK$19,286
+HK$1,107/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$225,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,031
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,541
−HK$518/mo
Today · 4.125%
HK$20,059
baseline
▲ 0.50% · 4.625%
HK$21,116
+HK$1,057/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,118/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,528
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,166
−HK$649/mo
Today · 4.125%
HK$21,815
baseline
▲ 0.50% · 4.625%
HK$23,143
+HK$1,328/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,630/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,837
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,450
−HK$621/mo
Today · 4.125%
HK$24,071
baseline
▲ 0.50% · 4.625%
HK$25,340
+HK$1,269/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,142/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,949
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,694
−HK$757/mo
Today · 4.125%
HK$25,451
baseline
▲ 0.50% · 4.625%
HK$27,000
+HK$1,549/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,902/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,643
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,358
−HK$725/mo
Today · 4.125%
HK$28,083
baseline
▲ 0.50% · 4.625%
HK$29,563
+HK$1,480/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,166/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,792
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,750
−HK$973/mo
Today · 4.125%
HK$32,723
baseline
▲ 0.50% · 4.625%
HK$34,714
+HK$1,991/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$65,446/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$225,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,256
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,174
−HK$932/mo
Today · 4.125%
HK$36,106
baseline
▲ 0.50% · 4.625%
HK$38,010
+HK$1,904/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$72,212/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$225,062 · 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).