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$17,100
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,632
−HK$540/mo
Today · 4.125%
HK$18,172
baseline
▲ 0.50% · 4.625%
HK$19,278
+HK$1,106/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,344/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,023
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,533
−HK$518/mo
Today · 4.125%
HK$20,051
baseline
▲ 0.50% · 4.625%
HK$21,108
+HK$1,057/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,102/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,520
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,158
−HK$648/mo
Today · 4.125%
HK$21,806
baseline
▲ 0.50% · 4.625%
HK$23,133
+HK$1,327/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,612/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,828
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,440
−HK$621/mo
Today · 4.125%
HK$24,061
baseline
▲ 0.50% · 4.625%
HK$25,329
+HK$1,268/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,122/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,940
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,684
−HK$757/mo
Today · 4.125%
HK$25,441
baseline
▲ 0.50% · 4.625%
HK$26,989
+HK$1,548/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,882/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,632
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,347
−HK$724/mo
Today · 4.125%
HK$28,071
baseline
▲ 0.50% · 4.625%
HK$29,551
+HK$1,480/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,142/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,779
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,737
−HK$973/mo
Today · 4.125%
HK$32,710
baseline
▲ 0.50% · 4.625%
HK$34,700
+HK$1,990/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$65,420/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$224,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,242
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,160
−HK$932/mo
Today · 4.125%
HK$36,092
baseline
▲ 0.50% · 4.625%
HK$37,994
+HK$1,902/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$72,184/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$224,971 · 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).