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$20,532
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,171
−HK$648/mo
Today · 4.125%
HK$21,819
baseline
▲ 0.50% · 4.625%
HK$23,147
+HK$1,328/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,638/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,842
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,454
−HK$622/mo
Today · 4.125%
HK$24,076
baseline
▲ 0.50% · 4.625%
HK$25,345
+HK$1,269/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,152/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,638
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,405
−HK$778/mo
Today · 4.125%
HK$26,183
baseline
▲ 0.50% · 4.625%
HK$27,776
+HK$1,593/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,366/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,410
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,145
−HK$746/mo
Today · 4.125%
HK$28,891
baseline
▲ 0.50% · 4.625%
HK$30,414
+HK$1,523/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,782/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,745
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,639
−HK$908/mo
Today · 4.125%
HK$30,547
baseline
▲ 0.50% · 4.625%
HK$32,406
+HK$1,859/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,094/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,978
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,836
−HK$870/mo
Today · 4.125%
HK$33,706
baseline
▲ 0.50% · 4.625%
HK$35,482
+HK$1,776/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,412/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,957
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,107
−HK$1,168/mo
Today · 4.125%
HK$39,275
baseline
▲ 0.50% · 4.625%
HK$41,665
+HK$2,390/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,550/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,115
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,217
−HK$1,119/mo
Today · 4.125%
HK$43,336
baseline
▲ 0.50% · 4.625%
HK$45,620
+HK$2,284/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,672/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,420 · 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).