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$17,091
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,623
−HK$540/mo
Today · 4.125%
HK$18,163
baseline
▲ 0.50% · 4.625%
HK$19,268
+HK$1,105/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,326/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,014
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,524
−HK$517/mo
Today · 4.125%
HK$20,041
baseline
▲ 0.50% · 4.625%
HK$21,098
+HK$1,057/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,082/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,510
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,148
−HK$648/mo
Today · 4.125%
HK$21,796
baseline
▲ 0.50% · 4.625%
HK$23,122
+HK$1,326/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,592/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,817
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,429
−HK$621/mo
Today · 4.125%
HK$24,050
baseline
▲ 0.50% · 4.625%
HK$25,317
+HK$1,267/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$224,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,928
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,672
−HK$757/mo
Today · 4.125%
HK$25,429
baseline
▲ 0.50% · 4.625%
HK$26,976
+HK$1,547/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$224,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,620
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,334
−HK$724/mo
Today · 4.125%
HK$28,058
baseline
▲ 0.50% · 4.625%
HK$29,537
+HK$1,479/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,116/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,765
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,722
−HK$972/mo
Today · 4.125%
HK$32,694
baseline
▲ 0.50% · 4.625%
HK$34,683
+HK$1,989/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$65,388/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,225
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,143
−HK$931/mo
Today · 4.125%
HK$36,074
baseline
▲ 0.50% · 4.625%
HK$37,976
+HK$1,902/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$72,148/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,863 · 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).