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$17,114
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,647
−HK$541/mo
Today · 4.125%
HK$18,188
baseline
▲ 0.50% · 4.625%
HK$19,294
+HK$1,106/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,376/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,040
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,550
−HK$518/mo
Today · 4.125%
HK$20,068
baseline
▲ 0.50% · 4.625%
HK$21,126
+HK$1,058/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,136/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,537
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,176
−HK$649/mo
Today · 4.125%
HK$21,825
baseline
▲ 0.50% · 4.625%
HK$23,153
+HK$1,328/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,650/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,848
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,460
−HK$622/mo
Today · 4.125%
HK$24,082
baseline
▲ 0.50% · 4.625%
HK$25,351
+HK$1,269/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,164/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,960
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,705
−HK$758/mo
Today · 4.125%
HK$25,463
baseline
▲ 0.50% · 4.625%
HK$27,012
+HK$1,549/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,926/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,655
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,370
−HK$726/mo
Today · 4.125%
HK$28,096
baseline
▲ 0.50% · 4.625%
HK$29,577
+HK$1,481/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,192/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,806
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,764
−HK$974/mo
Today · 4.125%
HK$32,738
baseline
▲ 0.50% · 4.625%
HK$34,730
+HK$1,992/mo
Deposit HK$751K · loan HK$6.75M · min. income ≈ HK$65,476/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,271
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,190
−HK$933/mo
Today · 4.125%
HK$36,123
baseline
▲ 0.50% · 4.625%
HK$38,027
+HK$1,904/mo
Deposit HK$751K · loan HK$6.75M · min. income ≈ HK$72,246/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,165 · 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).