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$17,110
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,642
−HK$541/mo
Today · 4.125%
HK$18,183
baseline
▲ 0.50% · 4.625%
HK$19,289
+HK$1,106/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,366/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,034
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,545
−HK$518/mo
Today · 4.125%
HK$20,063
baseline
▲ 0.50% · 4.625%
HK$21,120
+HK$1,057/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,126/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,532
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,170
−HK$649/mo
Today · 4.125%
HK$21,819
baseline
▲ 0.50% · 4.625%
HK$23,147
+HK$1,328/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,638/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,841
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,454
−HK$621/mo
Today · 4.125%
HK$24,075
baseline
▲ 0.50% · 4.625%
HK$25,344
+HK$1,269/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,150/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,954
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,699
−HK$757/mo
Today · 4.125%
HK$25,456
baseline
▲ 0.50% · 4.625%
HK$27,005
+HK$1,549/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,912/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,648
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,363
−HK$725/mo
Today · 4.125%
HK$28,088
baseline
▲ 0.50% · 4.625%
HK$29,568
+HK$1,480/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,176/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,797
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,755
−HK$974/mo
Today · 4.125%
HK$32,729
baseline
▲ 0.50% · 4.625%
HK$34,720
+HK$1,991/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$65,458/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$225,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,262
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,181
−HK$932/mo
Today · 4.125%
HK$36,113
baseline
▲ 0.50% · 4.625%
HK$38,016
+HK$1,903/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$72,226/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$225,102 · 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).