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$20,537
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,176
−HK$649/mo
Today · 4.125%
HK$21,825
baseline
▲ 0.50% · 4.625%
HK$23,153
+HK$1,328/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,650/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,848
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,460
−HK$622/mo
Today · 4.125%
HK$24,082
baseline
▲ 0.50% · 4.625%
HK$25,351
+HK$1,269/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,164/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,645
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,411
−HK$779/mo
Today · 4.125%
HK$26,190
baseline
▲ 0.50% · 4.625%
HK$27,784
+HK$1,594/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,380/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,417
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,152
−HK$746/mo
Today · 4.125%
HK$28,898
baseline
▲ 0.50% · 4.625%
HK$30,422
+HK$1,524/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,796/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,752
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,647
−HK$908/mo
Today · 4.125%
HK$30,555
baseline
▲ 0.50% · 4.625%
HK$32,415
+HK$1,860/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,110/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,987
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,845
−HK$870/mo
Today · 4.125%
HK$33,715
baseline
▲ 0.50% · 4.625%
HK$35,492
+HK$1,777/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,430/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,967
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,117
−HK$1,168/mo
Today · 4.125%
HK$39,285
baseline
▲ 0.50% · 4.625%
HK$41,676
+HK$2,391/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$78,570/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,126
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,229
−HK$1,119/mo
Today · 4.125%
HK$43,348
baseline
▲ 0.50% · 4.625%
HK$45,633
+HK$2,285/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$86,696/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,662 · 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).