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$17,099
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,631
−HK$540/mo
Today · 4.125%
HK$18,171
baseline
▲ 0.50% · 4.625%
HK$19,277
+HK$1,106/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,342/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,022
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,533
−HK$517/mo
Today · 4.125%
HK$20,050
baseline
▲ 0.50% · 4.625%
HK$21,107
+HK$1,057/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,100/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,519
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,157
−HK$648/mo
Today · 4.125%
HK$21,805
baseline
▲ 0.50% · 4.625%
HK$23,132
+HK$1,327/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,610/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,827
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,439
−HK$621/mo
Today · 4.125%
HK$24,060
baseline
▲ 0.50% · 4.625%
HK$25,328
+HK$1,268/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,120/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,939
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,683
−HK$757/mo
Today · 4.125%
HK$25,440
baseline
▲ 0.50% · 4.625%
HK$26,988
+HK$1,548/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,880/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,631
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,346
−HK$724/mo
Today · 4.125%
HK$28,070
baseline
▲ 0.50% · 4.625%
HK$29,550
+HK$1,480/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,140/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,778
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,735
−HK$973/mo
Today · 4.125%
HK$32,708
baseline
▲ 0.50% · 4.625%
HK$34,698
+HK$1,990/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$65,416/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$224,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,240
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,159
−HK$931/mo
Today · 4.125%
HK$36,090
baseline
▲ 0.50% · 4.625%
HK$37,993
+HK$1,903/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$72,180/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$224,961 · 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).