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$1,287/mo
▼ 0.25% · 3.875%
HK$21,162
−HK$648/mo
Today · 4.125%
HK$21,810
baseline
▲ 0.50% · 4.625%
HK$23,137
+HK$1,327/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,620/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,832
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,444
−HK$621/mo
Today · 4.125%
HK$24,065
baseline
▲ 0.50% · 4.625%
HK$25,334
+HK$1,269/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$270,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,628
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,394
−HK$778/mo
Today · 4.125%
HK$26,172
baseline
▲ 0.50% · 4.625%
HK$27,765
+HK$1,593/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,344/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,398
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,133
−HK$746/mo
Today · 4.125%
HK$28,879
baseline
▲ 0.50% · 4.625%
HK$30,401
+HK$1,522/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,758/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,733
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,626
−HK$908/mo
Today · 4.125%
HK$30,534
baseline
▲ 0.50% · 4.625%
HK$32,392
+HK$1,858/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,068/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,965
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,822
−HK$870/mo
Today · 4.125%
HK$33,692
baseline
▲ 0.50% · 4.625%
HK$35,468
+HK$1,776/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,384/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,942
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,091
−HK$1,167/mo
Today · 4.125%
HK$39,258
baseline
▲ 0.50% · 4.625%
HK$41,647
+HK$2,389/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,516/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,097
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,200
−HK$1,118/mo
Today · 4.125%
HK$43,318
baseline
▲ 0.50% · 4.625%
HK$45,601
+HK$2,283/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,636/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,041 · 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).