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$20,529
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,167
−HK$649/mo
Today · 4.125%
HK$21,816
baseline
▲ 0.50% · 4.625%
HK$23,144
+HK$1,328/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,632/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,838
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,451
−HK$621/mo
Today · 4.125%
HK$24,072
baseline
▲ 0.50% · 4.625%
HK$25,341
+HK$1,269/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,144/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,635
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,401
−HK$778/mo
Today · 4.125%
HK$26,179
baseline
▲ 0.50% · 4.625%
HK$27,772
+HK$1,593/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,358/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,406
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,141
−HK$745/mo
Today · 4.125%
HK$28,886
baseline
▲ 0.50% · 4.625%
HK$30,409
+HK$1,523/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,772/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,740
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,634
−HK$909/mo
Today · 4.125%
HK$30,543
baseline
▲ 0.50% · 4.625%
HK$32,401
+HK$1,858/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,086/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,973
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,831
−HK$870/mo
Today · 4.125%
HK$33,701
baseline
▲ 0.50% · 4.625%
HK$35,477
+HK$1,776/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,402/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,952
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,101
−HK$1,168/mo
Today · 4.125%
HK$39,269
baseline
▲ 0.50% · 4.625%
HK$41,659
+HK$2,390/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,538/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,109
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,211
−HK$1,119/mo
Today · 4.125%
HK$43,330
baseline
▲ 0.50% · 4.625%
HK$45,614
+HK$2,284/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,660/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,288 · 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).