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$20,531
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,170
−HK$649/mo
Today · 4.125%
HK$21,819
baseline
▲ 0.50% · 4.625%
HK$23,146
+HK$1,327/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,638/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,841
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,453
−HK$622/mo
Today · 4.125%
HK$24,075
baseline
▲ 0.50% · 4.625%
HK$25,344
+HK$1,269/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,150/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,637
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,404
−HK$778/mo
Today · 4.125%
HK$26,182
baseline
▲ 0.50% · 4.625%
HK$27,776
+HK$1,594/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,364/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,409
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,144
−HK$746/mo
Today · 4.125%
HK$28,890
baseline
▲ 0.50% · 4.625%
HK$30,413
+HK$1,523/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,780/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,744
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,638
−HK$908/mo
Today · 4.125%
HK$30,546
baseline
▲ 0.50% · 4.625%
HK$32,405
+HK$1,859/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,092/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,977
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,835
−HK$870/mo
Today · 4.125%
HK$33,705
baseline
▲ 0.50% · 4.625%
HK$35,481
+HK$1,776/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,410/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,956
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,106
−HK$1,168/mo
Today · 4.125%
HK$39,274
baseline
▲ 0.50% · 4.625%
HK$41,663
+HK$2,389/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,548/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,113
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,216
−HK$1,119/mo
Today · 4.125%
HK$43,335
baseline
▲ 0.50% · 4.625%
HK$45,619
+HK$2,284/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,670/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,390 · 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).