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$1,288/mo
▼ 0.25% · 3.875%
HK$21,174
−HK$649/mo
Today · 4.125%
HK$21,823
baseline
▲ 0.50% · 4.625%
HK$23,150
+HK$1,327/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,646/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,845
−HK$1,234/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$270,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,642
−HK$1,545/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$270,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,414
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,149
−HK$746/mo
Today · 4.125%
HK$28,895
baseline
▲ 0.50% · 4.625%
HK$30,418
+HK$1,523/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,790/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,749
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,643
−HK$909/mo
Today · 4.125%
HK$30,552
baseline
▲ 0.50% · 4.625%
HK$32,411
+HK$1,859/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,104/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,983
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,840
−HK$871/mo
Today · 4.125%
HK$33,711
baseline
▲ 0.50% · 4.625%
HK$35,488
+HK$1,777/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,422/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,963
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,112
−HK$1,169/mo
Today · 4.125%
HK$39,281
baseline
▲ 0.50% · 4.625%
HK$41,671
+HK$2,390/mo
Deposit HK$901K · loan HK$8.10M · min. income ≈ HK$78,562/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,121
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,223
−HK$1,119/mo
Today · 4.125%
HK$43,342
baseline
▲ 0.50% · 4.625%
HK$45,627
+HK$2,285/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$270,549 · 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).