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$17,103
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,635
−HK$541/mo
Today · 4.125%
HK$18,176
baseline
▲ 0.50% · 4.625%
HK$19,282
+HK$1,106/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,352/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,027
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,538
−HK$517/mo
Today · 4.125%
HK$20,055
baseline
▲ 0.50% · 4.625%
HK$21,112
+HK$1,057/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,110/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,524
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,162
−HK$649/mo
Today · 4.125%
HK$21,811
baseline
▲ 0.50% · 4.625%
HK$23,138
+HK$1,327/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,622/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,833
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,445
−HK$621/mo
Today · 4.125%
HK$24,066
baseline
▲ 0.50% · 4.625%
HK$25,335
+HK$1,269/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,132/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,945
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,689
−HK$757/mo
Today · 4.125%
HK$25,446
baseline
▲ 0.50% · 4.625%
HK$26,995
+HK$1,549/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,892/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,638
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,353
−HK$724/mo
Today · 4.125%
HK$28,077
baseline
▲ 0.50% · 4.625%
HK$29,557
+HK$1,480/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,154/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,786
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,744
−HK$973/mo
Today · 4.125%
HK$32,717
baseline
▲ 0.50% · 4.625%
HK$34,707
+HK$1,990/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$65,434/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$225,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,249
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,168
−HK$931/mo
Today · 4.125%
HK$36,099
baseline
▲ 0.50% · 4.625%
HK$38,002
+HK$1,903/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$72,198/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$225,019 · 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).