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$20,534
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,172
−HK$649/mo
Today · 4.125%
HK$21,821
baseline
▲ 0.50% · 4.625%
HK$23,149
+HK$1,328/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$270,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,844
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,456
−HK$622/mo
Today · 4.125%
HK$24,078
baseline
▲ 0.50% · 4.625%
HK$25,347
+HK$1,269/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,156/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,641
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,407
−HK$779/mo
Today · 4.125%
HK$26,186
baseline
▲ 0.50% · 4.625%
HK$27,779
+HK$1,593/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,372/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,412
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,148
−HK$745/mo
Today · 4.125%
HK$28,893
baseline
▲ 0.50% · 4.625%
HK$30,416
+HK$1,523/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,786/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,747
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,641
−HK$909/mo
Today · 4.125%
HK$30,550
baseline
▲ 0.50% · 4.625%
HK$32,409
+HK$1,859/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,100/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,981
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,839
−HK$870/mo
Today · 4.125%
HK$33,709
baseline
▲ 0.50% · 4.625%
HK$35,486
+HK$1,777/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,418/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,961
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,110
−HK$1,169/mo
Today · 4.125%
HK$39,279
baseline
▲ 0.50% · 4.625%
HK$41,669
+HK$2,390/mo
Deposit HK$901K · loan HK$8.10M · min. income ≈ HK$78,558/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,119
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,221
−HK$1,119/mo
Today · 4.125%
HK$43,340
baseline
▲ 0.50% · 4.625%
HK$45,625
+HK$2,285/mo
Deposit HK$901K · loan HK$8.10M · min. income ≈ HK$86,680/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,504 · 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).