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$20,543
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,182
−HK$649/mo
Today · 4.125%
HK$21,831
baseline
▲ 0.50% · 4.625%
HK$23,160
+HK$1,329/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,662/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$270,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,854
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,467
−HK$622/mo
Today · 4.125%
HK$24,089
baseline
▲ 0.50% · 4.625%
HK$25,358
+HK$1,269/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,178/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$270,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,652
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,418
−HK$779/mo
Today · 4.125%
HK$26,197
baseline
▲ 0.50% · 4.625%
HK$27,791
+HK$1,594/mo
Deposit HK$3.60M · loan HK$5.41M · min. income ≈ HK$52,394/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,425
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,160
−HK$746/mo
Today · 4.125%
HK$28,906
baseline
▲ 0.50% · 4.625%
HK$30,430
+HK$1,524/mo
Deposit HK$3.60M · loan HK$5.41M · min. income ≈ HK$57,812/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,760
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,655
−HK$909/mo
Today · 4.125%
HK$30,564
baseline
▲ 0.50% · 4.625%
HK$32,423
+HK$1,859/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$61,128/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,995
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,853
−HK$871/mo
Today · 4.125%
HK$33,724
baseline
▲ 0.50% · 4.625%
HK$35,502
+HK$1,778/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$67,448/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,977
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,128
−HK$1,168/mo
Today · 4.125%
HK$39,296
baseline
▲ 0.50% · 4.625%
HK$41,687
+HK$2,391/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$78,592/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,137
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,240
−HK$1,119/mo
Today · 4.125%
HK$43,359
baseline
▲ 0.50% · 4.625%
HK$45,645
+HK$2,286/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$86,718/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,906 · 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).