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$20,531
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,169
−HK$649/mo
Today · 4.125%
HK$21,818
baseline
▲ 0.50% · 4.625%
HK$23,146
+HK$1,328/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,636/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,840
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,453
−HK$621/mo
Today · 4.125%
HK$24,074
baseline
▲ 0.50% · 4.625%
HK$25,343
+HK$1,269/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,148/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,637
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,403
−HK$779/mo
Today · 4.125%
HK$26,182
baseline
▲ 0.50% · 4.625%
HK$27,775
+HK$1,593/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,364/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,408
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,143
−HK$746/mo
Today · 4.125%
HK$28,889
baseline
▲ 0.50% · 4.625%
HK$30,412
+HK$1,523/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,778/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,743
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,637
−HK$908/mo
Today · 4.125%
HK$30,545
baseline
▲ 0.50% · 4.625%
HK$32,404
+HK$1,859/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,090/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,976
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,834
−HK$870/mo
Today · 4.125%
HK$33,704
baseline
▲ 0.50% · 4.625%
HK$35,480
+HK$1,776/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,408/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,955
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,104
−HK$1,168/mo
Today · 4.125%
HK$39,272
baseline
▲ 0.50% · 4.625%
HK$41,662
+HK$2,390/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,544/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,112
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,215
−HK$1,118/mo
Today · 4.125%
HK$43,333
baseline
▲ 0.50% · 4.625%
HK$45,617
+HK$2,284/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,666/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,360 · 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).