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$17,110
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,643
−HK$540/mo
Today · 4.125%
HK$18,183
baseline
▲ 0.50% · 4.625%
HK$19,290
+HK$1,107/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,366/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,035
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,546
−HK$517/mo
Today · 4.125%
HK$20,063
baseline
▲ 0.50% · 4.625%
HK$21,121
+HK$1,058/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,126/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,532
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,171
−HK$649/mo
Today · 4.125%
HK$21,820
baseline
▲ 0.50% · 4.625%
HK$23,148
+HK$1,328/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,640/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,842
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,455
−HK$621/mo
Today · 4.125%
HK$24,076
baseline
▲ 0.50% · 4.625%
HK$25,345
+HK$1,269/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,152/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,954
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,700
−HK$757/mo
Today · 4.125%
HK$25,457
baseline
▲ 0.50% · 4.625%
HK$27,006
+HK$1,549/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,914/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,649
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,364
−HK$725/mo
Today · 4.125%
HK$28,089
baseline
▲ 0.50% · 4.625%
HK$29,569
+HK$1,480/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,178/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,799
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,757
−HK$973/mo
Today · 4.125%
HK$32,730
baseline
▲ 0.50% · 4.625%
HK$34,721
+HK$1,991/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$65,460/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$225,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,263
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,182
−HK$932/mo
Today · 4.125%
HK$36,114
baseline
▲ 0.50% · 4.625%
HK$38,018
+HK$1,904/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$72,228/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$225,111 · 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).