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$17,108
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,640
−HK$541/mo
Today · 4.125%
HK$18,181
baseline
▲ 0.50% · 4.625%
HK$19,287
+HK$1,106/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,362/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,033
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,543
−HK$518/mo
Today · 4.125%
HK$20,061
baseline
▲ 0.50% · 4.625%
HK$21,118
+HK$1,057/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,122/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,530
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,168
−HK$649/mo
Today · 4.125%
HK$21,817
baseline
▲ 0.50% · 4.625%
HK$23,145
+HK$1,328/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,634/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,839
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,452
−HK$621/mo
Today · 4.125%
HK$24,073
baseline
▲ 0.50% · 4.625%
HK$25,342
+HK$1,269/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,146/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,952
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,697
−HK$756/mo
Today · 4.125%
HK$25,453
baseline
▲ 0.50% · 4.625%
HK$27,002
+HK$1,549/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,906/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,646
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,360
−HK$725/mo
Today · 4.125%
HK$28,085
baseline
▲ 0.50% · 4.625%
HK$29,566
+HK$1,481/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,170/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,795
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,753
−HK$973/mo
Today · 4.125%
HK$32,726
baseline
▲ 0.50% · 4.625%
HK$34,717
+HK$1,991/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$65,452/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$225,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,259
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,178
−HK$932/mo
Today · 4.125%
HK$36,110
baseline
▲ 0.50% · 4.625%
HK$38,013
+HK$1,903/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$72,220/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$225,083 · 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).