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$17,098
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,630
−HK$540/mo
Today · 4.125%
HK$18,170
baseline
▲ 0.50% · 4.625%
HK$19,276
+HK$1,106/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,340/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,022
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,532
−HK$517/mo
Today · 4.125%
HK$20,049
baseline
▲ 0.50% · 4.625%
HK$21,106
+HK$1,057/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,098/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,518
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,156
−HK$648/mo
Today · 4.125%
HK$21,804
baseline
▲ 0.50% · 4.625%
HK$23,131
+HK$1,327/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,608/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,826
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,438
−HK$621/mo
Today · 4.125%
HK$24,059
baseline
▲ 0.50% · 4.625%
HK$25,327
+HK$1,268/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,118/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,937
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,682
−HK$757/mo
Today · 4.125%
HK$25,439
baseline
▲ 0.50% · 4.625%
HK$26,986
+HK$1,547/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,878/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,630
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,344
−HK$725/mo
Today · 4.125%
HK$28,069
baseline
▲ 0.50% · 4.625%
HK$29,548
+HK$1,479/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,138/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,777
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,734
−HK$973/mo
Today · 4.125%
HK$32,707
baseline
▲ 0.50% · 4.625%
HK$34,697
+HK$1,990/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$65,414/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$224,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,239
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,157
−HK$932/mo
Today · 4.125%
HK$36,089
baseline
▲ 0.50% · 4.625%
HK$37,991
+HK$1,902/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$72,178/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$224,951 · 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).