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$1,287/mo
▼ 0.25% · 3.875%
HK$21,175
−HK$649/mo
Today · 4.125%
HK$21,824
baseline
▲ 0.50% · 4.625%
HK$23,152
+HK$1,328/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,648/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,847
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,459
−HK$622/mo
Today · 4.125%
HK$24,081
baseline
▲ 0.50% · 4.625%
HK$25,350
+HK$1,269/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,162/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,644
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,410
−HK$779/mo
Today · 4.125%
HK$26,189
baseline
▲ 0.50% · 4.625%
HK$27,783
+HK$1,594/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,378/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,416
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,151
−HK$746/mo
Today · 4.125%
HK$28,897
baseline
▲ 0.50% · 4.625%
HK$30,420
+HK$1,523/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,794/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,751
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,645
−HK$909/mo
Today · 4.125%
HK$30,554
baseline
▲ 0.50% · 4.625%
HK$32,413
+HK$1,859/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,108/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,985
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,843
−HK$870/mo
Today · 4.125%
HK$33,713
baseline
▲ 0.50% · 4.625%
HK$35,491
+HK$1,778/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,426/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,966
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,116
−HK$1,168/mo
Today · 4.125%
HK$39,284
baseline
▲ 0.50% · 4.625%
HK$41,674
+HK$2,390/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$78,568/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,124
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,227
−HK$1,119/mo
Today · 4.125%
HK$43,346
baseline
▲ 0.50% · 4.625%
HK$45,631
+HK$2,285/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$86,692/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,625 · 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).