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$20,528
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,166
−HK$649/mo
Today · 4.125%
HK$21,815
baseline
▲ 0.50% · 4.625%
HK$23,142
+HK$1,327/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,630/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,837
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,449
−HK$621/mo
Today · 4.125%
HK$24,070
baseline
▲ 0.50% · 4.625%
HK$25,339
+HK$1,269/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,140/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,633
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,399
−HK$779/mo
Today · 4.125%
HK$26,178
baseline
▲ 0.50% · 4.625%
HK$27,771
+HK$1,593/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,356/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,404
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,139
−HK$746/mo
Today · 4.125%
HK$28,885
baseline
▲ 0.50% · 4.625%
HK$30,407
+HK$1,522/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,770/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,739
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,632
−HK$909/mo
Today · 4.125%
HK$30,541
baseline
▲ 0.50% · 4.625%
HK$32,399
+HK$1,858/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,082/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,971
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,829
−HK$870/mo
Today · 4.125%
HK$33,699
baseline
▲ 0.50% · 4.625%
HK$35,475
+HK$1,776/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,398/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,950
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,099
−HK$1,168/mo
Today · 4.125%
HK$39,267
baseline
▲ 0.50% · 4.625%
HK$41,656
+HK$2,389/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,534/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,106
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,208
−HK$1,119/mo
Today · 4.125%
HK$43,327
baseline
▲ 0.50% · 4.625%
HK$45,611
+HK$2,284/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,654/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,229 · 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).