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$17,102
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,634
−HK$540/mo
Today · 4.125%
HK$18,174
baseline
▲ 0.50% · 4.625%
HK$19,280
+HK$1,106/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,348/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,026
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,536
−HK$517/mo
Today · 4.125%
HK$20,053
baseline
▲ 0.50% · 4.625%
HK$21,110
+HK$1,057/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,106/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,522
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,160
−HK$649/mo
Today · 4.125%
HK$21,809
baseline
▲ 0.50% · 4.625%
HK$23,136
+HK$1,327/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,618/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,831
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,443
−HK$621/mo
Today · 4.125%
HK$24,064
baseline
▲ 0.50% · 4.625%
HK$25,333
+HK$1,269/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,128/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,942
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,687
−HK$757/mo
Today · 4.125%
HK$25,444
baseline
▲ 0.50% · 4.625%
HK$26,992
+HK$1,548/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,888/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,636
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,350
−HK$725/mo
Today · 4.125%
HK$28,075
baseline
▲ 0.50% · 4.625%
HK$29,555
+HK$1,480/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,150/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,783
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,741
−HK$972/mo
Today · 4.125%
HK$32,713
baseline
▲ 0.50% · 4.625%
HK$34,704
+HK$1,991/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$65,426/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$224,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,246
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,164
−HK$932/mo
Today · 4.125%
HK$36,096
baseline
▲ 0.50% · 4.625%
HK$37,999
+HK$1,903/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$72,192/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$224,998 · 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).