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$20,542
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,181
−HK$650/mo
Today · 4.125%
HK$21,831
baseline
▲ 0.50% · 4.625%
HK$23,159
+HK$1,328/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,662/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$270,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,853
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,466
−HK$622/mo
Today · 4.125%
HK$24,088
baseline
▲ 0.50% · 4.625%
HK$25,358
+HK$1,270/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,176/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$270,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,651
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,418
−HK$779/mo
Today · 4.125%
HK$26,197
baseline
▲ 0.50% · 4.625%
HK$27,791
+HK$1,594/mo
Deposit HK$3.60M · loan HK$5.41M · min. income ≈ HK$52,394/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,424
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,159
−HK$747/mo
Today · 4.125%
HK$28,906
baseline
▲ 0.50% · 4.625%
HK$30,429
+HK$1,523/mo
Deposit HK$3.60M · loan HK$5.41M · min. income ≈ HK$57,812/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,759
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,654
−HK$909/mo
Today · 4.125%
HK$30,563
baseline
▲ 0.50% · 4.625%
HK$32,423
+HK$1,860/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$61,126/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,995
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,853
−HK$870/mo
Today · 4.125%
HK$33,723
baseline
▲ 0.50% · 4.625%
HK$35,501
+HK$1,778/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$67,446/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,976
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,127
−HK$1,168/mo
Today · 4.125%
HK$39,295
baseline
▲ 0.50% · 4.625%
HK$41,686
+HK$2,391/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$78,590/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,136
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,239
−HK$1,119/mo
Today · 4.125%
HK$43,358
baseline
▲ 0.50% · 4.625%
HK$45,644
+HK$2,286/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$86,716/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,885 · 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).