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$20,523
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,161
−HK$648/mo
Today · 4.125%
HK$21,809
baseline
▲ 0.50% · 4.625%
HK$23,136
+HK$1,327/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,618/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,831
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,443
−HK$622/mo
Today · 4.125%
HK$24,065
baseline
▲ 0.50% · 4.625%
HK$25,333
+HK$1,268/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,130/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,627
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,393
−HK$778/mo
Today · 4.125%
HK$26,171
baseline
▲ 0.50% · 4.625%
HK$27,764
+HK$1,593/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,342/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,397
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,132
−HK$745/mo
Today · 4.125%
HK$28,877
baseline
▲ 0.50% · 4.625%
HK$30,400
+HK$1,523/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,754/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,732
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,625
−HK$908/mo
Today · 4.125%
HK$30,533
baseline
▲ 0.50% · 4.625%
HK$32,391
+HK$1,858/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,066/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,964
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,821
−HK$869/mo
Today · 4.125%
HK$33,690
baseline
▲ 0.50% · 4.625%
HK$35,466
+HK$1,776/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,380/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,941
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,090
−HK$1,167/mo
Today · 4.125%
HK$39,257
baseline
▲ 0.50% · 4.625%
HK$41,646
+HK$2,389/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,514/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,096
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,198
−HK$1,118/mo
Today · 4.125%
HK$43,316
baseline
▲ 0.50% · 4.625%
HK$45,599
+HK$2,283/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,632/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,009 · 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).