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$20,535
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,174
−HK$649/mo
Today · 4.125%
HK$21,823
baseline
▲ 0.50% · 4.625%
HK$23,151
+HK$1,328/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,646/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,845
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,458
−HK$622/mo
Today · 4.125%
HK$24,080
baseline
▲ 0.50% · 4.625%
HK$25,349
+HK$1,269/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,160/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,643
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,409
−HK$779/mo
Today · 4.125%
HK$26,188
baseline
▲ 0.50% · 4.625%
HK$27,781
+HK$1,593/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,376/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,415
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,150
−HK$746/mo
Today · 4.125%
HK$28,896
baseline
▲ 0.50% · 4.625%
HK$30,419
+HK$1,523/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,792/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,750
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,644
−HK$908/mo
Today · 4.125%
HK$30,552
baseline
▲ 0.50% · 4.625%
HK$32,411
+HK$1,859/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,104/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,984
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,841
−HK$871/mo
Today · 4.125%
HK$33,712
baseline
▲ 0.50% · 4.625%
HK$35,489
+HK$1,777/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,424/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,964
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,114
−HK$1,168/mo
Today · 4.125%
HK$39,282
baseline
▲ 0.50% · 4.625%
HK$41,672
+HK$2,390/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$78,564/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,122
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,225
−HK$1,119/mo
Today · 4.125%
HK$43,344
baseline
▲ 0.50% · 4.625%
HK$45,628
+HK$2,284/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$86,688/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,576 · 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).