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$20,533
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,172
−HK$649/mo
Today · 4.125%
HK$21,821
baseline
▲ 0.50% · 4.625%
HK$23,148
+HK$1,327/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,642/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,843
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,456
−HK$621/mo
Today · 4.125%
HK$24,077
baseline
▲ 0.50% · 4.625%
HK$25,346
+HK$1,269/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,154/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,640
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,406
−HK$779/mo
Today · 4.125%
HK$26,185
baseline
▲ 0.50% · 4.625%
HK$27,778
+HK$1,593/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,370/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,411
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,147
−HK$745/mo
Today · 4.125%
HK$28,892
baseline
▲ 0.50% · 4.625%
HK$30,415
+HK$1,523/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,784/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,746
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,641
−HK$908/mo
Today · 4.125%
HK$30,549
baseline
▲ 0.50% · 4.625%
HK$32,408
+HK$1,859/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,098/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,980
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,838
−HK$870/mo
Today · 4.125%
HK$33,708
baseline
▲ 0.50% · 4.625%
HK$35,485
+HK$1,777/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,416/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,960
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,109
−HK$1,168/mo
Today · 4.125%
HK$39,277
baseline
▲ 0.50% · 4.625%
HK$41,667
+HK$2,390/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,554/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,117
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,220
−HK$1,119/mo
Today · 4.125%
HK$43,339
baseline
▲ 0.50% · 4.625%
HK$45,623
+HK$2,284/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,678/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,475 · 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).