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$20,535
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,173
−HK$649/mo
Today · 4.125%
HK$21,822
baseline
▲ 0.50% · 4.625%
HK$23,150
+HK$1,328/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,644/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,844
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,457
−HK$622/mo
Today · 4.125%
HK$24,079
baseline
▲ 0.50% · 4.625%
HK$25,348
+HK$1,269/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,158/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,641
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,408
−HK$779/mo
Today · 4.125%
HK$26,187
baseline
▲ 0.50% · 4.625%
HK$27,780
+HK$1,593/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,374/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,413
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,149
−HK$745/mo
Today · 4.125%
HK$28,894
baseline
▲ 0.50% · 4.625%
HK$30,417
+HK$1,523/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,788/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,748
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,643
−HK$908/mo
Today · 4.125%
HK$30,551
baseline
▲ 0.50% · 4.625%
HK$32,410
+HK$1,859/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,102/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,982
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,840
−HK$870/mo
Today · 4.125%
HK$33,710
baseline
▲ 0.50% · 4.625%
HK$35,487
+HK$1,777/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,420/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,962
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,112
−HK$1,168/mo
Today · 4.125%
HK$39,280
baseline
▲ 0.50% · 4.625%
HK$41,670
+HK$2,390/mo
Deposit HK$901K · loan HK$8.10M · min. income ≈ HK$78,560/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,120
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,223
−HK$1,119/mo
Today · 4.125%
HK$43,342
baseline
▲ 0.50% · 4.625%
HK$45,626
+HK$2,284/mo
Deposit HK$901K · loan HK$8.10M · min. income ≈ HK$86,684/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,536 · 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).