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$20,527
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,166
−HK$648/mo
Today · 4.125%
HK$21,814
baseline
▲ 0.50% · 4.625%
HK$23,142
+HK$1,328/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,628/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,836
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,449
−HK$621/mo
Today · 4.125%
HK$24,070
baseline
▲ 0.50% · 4.625%
HK$25,339
+HK$1,269/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,140/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$270,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,633
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,399
−HK$778/mo
Today · 4.125%
HK$26,177
baseline
▲ 0.50% · 4.625%
HK$27,770
+HK$1,593/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,354/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,404
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,139
−HK$745/mo
Today · 4.125%
HK$28,884
baseline
▲ 0.50% · 4.625%
HK$30,407
+HK$1,523/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,768/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,738
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,632
−HK$908/mo
Today · 4.125%
HK$30,540
baseline
▲ 0.50% · 4.625%
HK$32,399
+HK$1,859/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,080/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,971
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,828
−HK$870/mo
Today · 4.125%
HK$33,698
baseline
▲ 0.50% · 4.625%
HK$35,474
+HK$1,776/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,396/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,949
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,098
−HK$1,168/mo
Today · 4.125%
HK$39,266
baseline
▲ 0.50% · 4.625%
HK$41,655
+HK$2,389/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,532/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,105
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,208
−HK$1,118/mo
Today · 4.125%
HK$43,326
baseline
▲ 0.50% · 4.625%
HK$45,610
+HK$2,284/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,652/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,217 · 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).