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$17,097
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,629
−HK$541/mo
Today · 4.125%
HK$18,170
baseline
▲ 0.50% · 4.625%
HK$19,275
+HK$1,105/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,340/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,021
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,531
−HK$517/mo
Today · 4.125%
HK$20,048
baseline
▲ 0.50% · 4.625%
HK$21,105
+HK$1,057/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,096/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,517
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,155
−HK$648/mo
Today · 4.125%
HK$21,803
baseline
▲ 0.50% · 4.625%
HK$23,130
+HK$1,327/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,606/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,825
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,437
−HK$621/mo
Today · 4.125%
HK$24,058
baseline
▲ 0.50% · 4.625%
HK$25,326
+HK$1,268/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,116/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,936
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,681
−HK$756/mo
Today · 4.125%
HK$25,437
baseline
▲ 0.50% · 4.625%
HK$26,985
+HK$1,548/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,874/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,629
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,343
−HK$725/mo
Today · 4.125%
HK$28,068
baseline
▲ 0.50% · 4.625%
HK$29,547
+HK$1,479/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,136/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,775
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,733
−HK$972/mo
Today · 4.125%
HK$32,705
baseline
▲ 0.50% · 4.625%
HK$34,695
+HK$1,990/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$65,410/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$224,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,237
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,155
−HK$932/mo
Today · 4.125%
HK$36,087
baseline
▲ 0.50% · 4.625%
HK$37,989
+HK$1,902/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$72,174/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$224,941 · 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).