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$1,073/mo
▼ 0.25% · 3.875%
HK$17,640
−HK$540/mo
Today · 4.125%
HK$18,180
baseline
▲ 0.50% · 4.625%
HK$19,286
+HK$1,106/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,360/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,032
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,542
−HK$518/mo
Today · 4.125%
HK$20,060
baseline
▲ 0.50% · 4.625%
HK$21,118
+HK$1,058/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,120/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,529
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,168
−HK$648/mo
Today · 4.125%
HK$21,816
baseline
▲ 0.50% · 4.625%
HK$23,144
+HK$1,328/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,632/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,838
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,451
−HK$621/mo
Today · 4.125%
HK$24,072
baseline
▲ 0.50% · 4.625%
HK$25,341
+HK$1,269/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,144/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,950
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,695
−HK$757/mo
Today · 4.125%
HK$25,452
baseline
▲ 0.50% · 4.625%
HK$27,001
+HK$1,549/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,904/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,645
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,359
−HK$725/mo
Today · 4.125%
HK$28,084
baseline
▲ 0.50% · 4.625%
HK$29,565
+HK$1,481/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,168/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,793
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,751
−HK$973/mo
Today · 4.125%
HK$32,724
baseline
▲ 0.50% · 4.625%
HK$34,716
+HK$1,992/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$65,448/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$225,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,257
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,176
−HK$932/mo
Today · 4.125%
HK$36,108
baseline
▲ 0.50% · 4.625%
HK$38,012
+HK$1,904/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$72,216/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$225,073 · 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).