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$17,104
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,636
−HK$540/mo
Today · 4.125%
HK$18,176
baseline
▲ 0.50% · 4.625%
HK$19,282
+HK$1,106/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,352/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,028
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,538
−HK$518/mo
Today · 4.125%
HK$20,056
baseline
▲ 0.50% · 4.625%
HK$21,113
+HK$1,057/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,112/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,524
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,163
−HK$649/mo
Today · 4.125%
HK$21,812
baseline
▲ 0.50% · 4.625%
HK$23,139
+HK$1,327/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,624/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,833
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,446
−HK$621/mo
Today · 4.125%
HK$24,067
baseline
▲ 0.50% · 4.625%
HK$25,335
+HK$1,268/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,134/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,945
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,690
−HK$757/mo
Today · 4.125%
HK$25,447
baseline
▲ 0.50% · 4.625%
HK$26,995
+HK$1,548/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,894/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,639
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,353
−HK$725/mo
Today · 4.125%
HK$28,078
baseline
▲ 0.50% · 4.625%
HK$29,558
+HK$1,480/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,156/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,787
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,744
−HK$973/mo
Today · 4.125%
HK$32,717
baseline
▲ 0.50% · 4.625%
HK$34,708
+HK$1,991/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$65,434/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$225,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,250
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,168
−HK$932/mo
Today · 4.125%
HK$36,100
baseline
▲ 0.50% · 4.625%
HK$38,003
+HK$1,903/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$72,200/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$225,024 · 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).