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$20,544
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,183
−HK$650/mo
Today · 4.125%
HK$21,833
baseline
▲ 0.50% · 4.625%
HK$23,161
+HK$1,328/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,666/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$270,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,855
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,468
−HK$622/mo
Today · 4.125%
HK$24,090
baseline
▲ 0.50% · 4.625%
HK$25,360
+HK$1,270/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,180/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$270,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,653
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,420
−HK$779/mo
Today · 4.125%
HK$26,199
baseline
▲ 0.50% · 4.625%
HK$27,793
+HK$1,594/mo
Deposit HK$3.60M · loan HK$5.41M · min. income ≈ HK$52,398/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,426
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,162
−HK$746/mo
Today · 4.125%
HK$28,908
baseline
▲ 0.50% · 4.625%
HK$30,432
+HK$1,524/mo
Deposit HK$3.60M · loan HK$5.41M · min. income ≈ HK$57,816/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,762
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,657
−HK$909/mo
Today · 4.125%
HK$30,566
baseline
▲ 0.50% · 4.625%
HK$32,425
+HK$1,859/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$61,132/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,997
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,856
−HK$870/mo
Today · 4.125%
HK$33,726
baseline
▲ 0.50% · 4.625%
HK$35,504
+HK$1,778/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$67,452/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,980
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,130
−HK$1,169/mo
Today · 4.125%
HK$39,299
baseline
▲ 0.50% · 4.625%
HK$41,690
+HK$2,391/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$78,598/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,139
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,243
−HK$1,119/mo
Today · 4.125%
HK$43,362
baseline
▲ 0.50% · 4.625%
HK$45,648
+HK$2,286/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$86,724/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,962 · 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).