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$17,109
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,642
−HK$540/mo
Today · 4.125%
HK$18,182
baseline
▲ 0.50% · 4.625%
HK$19,289
+HK$1,107/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,364/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,034
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,545
−HK$517/mo
Today · 4.125%
HK$20,062
baseline
▲ 0.50% · 4.625%
HK$21,120
+HK$1,058/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,124/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,531
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,170
−HK$649/mo
Today · 4.125%
HK$21,819
baseline
▲ 0.50% · 4.625%
HK$23,146
+HK$1,327/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,638/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,841
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,453
−HK$622/mo
Today · 4.125%
HK$24,075
baseline
▲ 0.50% · 4.625%
HK$25,344
+HK$1,269/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,150/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,953
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,698
−HK$757/mo
Today · 4.125%
HK$25,455
baseline
▲ 0.50% · 4.625%
HK$27,004
+HK$1,549/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,910/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,648
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,362
−HK$725/mo
Today · 4.125%
HK$28,087
baseline
▲ 0.50% · 4.625%
HK$29,568
+HK$1,481/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,174/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,797
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,755
−HK$973/mo
Today · 4.125%
HK$32,728
baseline
▲ 0.50% · 4.625%
HK$34,720
+HK$1,992/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$65,456/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$225,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,261
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,180
−HK$932/mo
Today · 4.125%
HK$36,112
baseline
▲ 0.50% · 4.625%
HK$38,016
+HK$1,904/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$72,224/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$225,099 · 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).