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$17,095
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,626
−HK$541/mo
Today · 4.125%
HK$18,167
baseline
▲ 0.50% · 4.625%
HK$19,272
+HK$1,105/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,334/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,018
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,528
−HK$517/mo
Today · 4.125%
HK$20,045
baseline
▲ 0.50% · 4.625%
HK$21,102
+HK$1,057/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,090/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,513
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,152
−HK$648/mo
Today · 4.125%
HK$21,800
baseline
▲ 0.50% · 4.625%
HK$23,126
+HK$1,326/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,600/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,821
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,433
−HK$621/mo
Today · 4.125%
HK$24,054
baseline
▲ 0.50% · 4.625%
HK$25,322
+HK$1,268/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,108/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,932
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,677
−HK$756/mo
Today · 4.125%
HK$25,433
baseline
▲ 0.50% · 4.625%
HK$26,981
+HK$1,548/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,866/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,625
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,339
−HK$724/mo
Today · 4.125%
HK$28,063
baseline
▲ 0.50% · 4.625%
HK$29,542
+HK$1,479/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,126/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,770
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,727
−HK$973/mo
Today · 4.125%
HK$32,700
baseline
▲ 0.50% · 4.625%
HK$34,689
+HK$1,989/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$65,400/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$224,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,232
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,150
−HK$931/mo
Today · 4.125%
HK$36,081
baseline
▲ 0.50% · 4.625%
HK$37,983
+HK$1,902/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$72,162/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$224,904 · 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).