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$20,538
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,177
−HK$649/mo
Today · 4.125%
HK$21,826
baseline
▲ 0.50% · 4.625%
HK$23,154
+HK$1,328/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,652/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,848
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,461
−HK$622/mo
Today · 4.125%
HK$24,083
baseline
▲ 0.50% · 4.625%
HK$25,352
+HK$1,269/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,166/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,646
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,412
−HK$779/mo
Today · 4.125%
HK$26,191
baseline
▲ 0.50% · 4.625%
HK$27,785
+HK$1,594/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,382/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,418
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,153
−HK$746/mo
Today · 4.125%
HK$28,899
baseline
▲ 0.50% · 4.625%
HK$30,423
+HK$1,524/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,798/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,753
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,648
−HK$908/mo
Today · 4.125%
HK$30,556
baseline
▲ 0.50% · 4.625%
HK$32,416
+HK$1,860/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,112/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,988
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,846
−HK$870/mo
Today · 4.125%
HK$33,716
baseline
▲ 0.50% · 4.625%
HK$35,493
+HK$1,777/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,432/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,968
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,118
−HK$1,169/mo
Today · 4.125%
HK$39,287
baseline
▲ 0.50% · 4.625%
HK$41,677
+HK$2,390/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$78,574/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,127
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,230
−HK$1,119/mo
Today · 4.125%
HK$43,349
baseline
▲ 0.50% · 4.625%
HK$45,634
+HK$2,285/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$86,698/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,691 · 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).