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$20,530
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,168
−HK$649/mo
Today · 4.125%
HK$21,817
baseline
▲ 0.50% · 4.625%
HK$23,145
+HK$1,328/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,634/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,839
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,452
−HK$621/mo
Today · 4.125%
HK$24,073
baseline
▲ 0.50% · 4.625%
HK$25,342
+HK$1,269/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,146/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,636
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,402
−HK$778/mo
Today · 4.125%
HK$26,180
baseline
▲ 0.50% · 4.625%
HK$27,774
+HK$1,594/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,360/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,407
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,142
−HK$746/mo
Today · 4.125%
HK$28,888
baseline
▲ 0.50% · 4.625%
HK$30,410
+HK$1,522/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,776/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,742
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,636
−HK$908/mo
Today · 4.125%
HK$30,544
baseline
▲ 0.50% · 4.625%
HK$32,402
+HK$1,858/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,088/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,975
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,832
−HK$870/mo
Today · 4.125%
HK$33,702
baseline
▲ 0.50% · 4.625%
HK$35,479
+HK$1,777/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,404/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,953
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,103
−HK$1,168/mo
Today · 4.125%
HK$39,271
baseline
▲ 0.50% · 4.625%
HK$41,660
+HK$2,389/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,542/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,110
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,213
−HK$1,118/mo
Today · 4.125%
HK$43,331
baseline
▲ 0.50% · 4.625%
HK$45,615
+HK$2,284/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,662/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,324 · 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).