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$20,528
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,167
−HK$648/mo
Today · 4.125%
HK$21,815
baseline
▲ 0.50% · 4.625%
HK$23,143
+HK$1,328/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,630/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,837
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,450
−HK$621/mo
Today · 4.125%
HK$24,071
baseline
▲ 0.50% · 4.625%
HK$25,340
+HK$1,269/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,142/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,634
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,400
−HK$779/mo
Today · 4.125%
HK$26,179
baseline
▲ 0.50% · 4.625%
HK$27,771
+HK$1,592/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,358/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,405
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,140
−HK$745/mo
Today · 4.125%
HK$28,885
baseline
▲ 0.50% · 4.625%
HK$30,408
+HK$1,523/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,770/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,739
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,633
−HK$909/mo
Today · 4.125%
HK$30,542
baseline
▲ 0.50% · 4.625%
HK$32,400
+HK$1,858/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,084/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,972
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,830
−HK$870/mo
Today · 4.125%
HK$33,700
baseline
▲ 0.50% · 4.625%
HK$35,476
+HK$1,776/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,400/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,951
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,100
−HK$1,168/mo
Today · 4.125%
HK$39,268
baseline
▲ 0.50% · 4.625%
HK$41,657
+HK$2,389/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,536/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,107
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,210
−HK$1,118/mo
Today · 4.125%
HK$43,328
baseline
▲ 0.50% · 4.625%
HK$45,612
+HK$2,284/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,656/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,259 · 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).