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$17,111
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,644
−HK$540/mo
Today · 4.125%
HK$18,184
baseline
▲ 0.50% · 4.625%
HK$19,291
+HK$1,107/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,368/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,036
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,547
−HK$518/mo
Today · 4.125%
HK$20,065
baseline
▲ 0.50% · 4.625%
HK$21,122
+HK$1,057/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,130/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,534
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,172
−HK$649/mo
Today · 4.125%
HK$21,821
baseline
▲ 0.50% · 4.625%
HK$23,149
+HK$1,328/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,642/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,843
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,456
−HK$622/mo
Today · 4.125%
HK$24,078
baseline
▲ 0.50% · 4.625%
HK$25,347
+HK$1,269/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,156/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,956
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,701
−HK$757/mo
Today · 4.125%
HK$25,458
baseline
▲ 0.50% · 4.625%
HK$27,007
+HK$1,549/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,916/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,651
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,365
−HK$726/mo
Today · 4.125%
HK$28,091
baseline
▲ 0.50% · 4.625%
HK$29,571
+HK$1,480/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,182/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,800
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,758
−HK$974/mo
Today · 4.125%
HK$32,732
baseline
▲ 0.50% · 4.625%
HK$34,724
+HK$1,992/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$65,464/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,265
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,184
−HK$932/mo
Today · 4.125%
HK$36,116
baseline
▲ 0.50% · 4.625%
HK$38,020
+HK$1,904/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$72,232/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,124 · 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).