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$17,092
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,624
−HK$540/mo
Today · 4.125%
HK$18,164
baseline
▲ 0.50% · 4.625%
HK$19,269
+HK$1,105/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,328/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,015
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,525
−HK$517/mo
Today · 4.125%
HK$20,042
baseline
▲ 0.50% · 4.625%
HK$21,098
+HK$1,056/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,084/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,510
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,148
−HK$649/mo
Today · 4.125%
HK$21,797
baseline
▲ 0.50% · 4.625%
HK$23,123
+HK$1,326/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,594/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,818
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,430
−HK$620/mo
Today · 4.125%
HK$24,050
baseline
▲ 0.50% · 4.625%
HK$25,318
+HK$1,268/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,100/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,929
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,673
−HK$756/mo
Today · 4.125%
HK$25,429
baseline
▲ 0.50% · 4.625%
HK$26,977
+HK$1,548/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,858/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,621
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,334
−HK$725/mo
Today · 4.125%
HK$28,059
baseline
▲ 0.50% · 4.625%
HK$29,538
+HK$1,479/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,118/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,766
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,723
−HK$972/mo
Today · 4.125%
HK$32,695
baseline
▲ 0.50% · 4.625%
HK$34,684
+HK$1,989/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$65,390/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,226
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,144
−HK$932/mo
Today · 4.125%
HK$36,076
baseline
▲ 0.50% · 4.625%
HK$37,977
+HK$1,901/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$72,152/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,870 · 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).