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$20,545
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,184
−HK$649/mo
Today · 4.125%
HK$21,833
baseline
▲ 0.50% · 4.625%
HK$23,162
+HK$1,329/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$270,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,856
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,469
−HK$622/mo
Today · 4.125%
HK$24,091
baseline
▲ 0.50% · 4.625%
HK$25,361
+HK$1,270/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,182/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$270,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,654
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,421
−HK$779/mo
Today · 4.125%
HK$26,200
baseline
▲ 0.50% · 4.625%
HK$27,794
+HK$1,594/mo
Deposit HK$3.60M · loan HK$5.41M · min. income ≈ HK$52,400/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,427
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,163
−HK$746/mo
Today · 4.125%
HK$28,909
baseline
▲ 0.50% · 4.625%
HK$30,433
+HK$1,524/mo
Deposit HK$3.60M · loan HK$5.41M · min. income ≈ HK$57,818/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,763
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,658
−HK$909/mo
Today · 4.125%
HK$30,567
baseline
▲ 0.50% · 4.625%
HK$32,427
+HK$1,860/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$61,134/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,999
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,857
−HK$870/mo
Today · 4.125%
HK$33,727
baseline
▲ 0.50% · 4.625%
HK$35,505
+HK$1,778/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$67,454/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,981
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,131
−HK$1,169/mo
Today · 4.125%
HK$39,300
baseline
▲ 0.50% · 4.625%
HK$41,691
+HK$2,391/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$78,600/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,141
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,244
−HK$1,120/mo
Today · 4.125%
HK$43,364
baseline
▲ 0.50% · 4.625%
HK$45,650
+HK$2,286/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$86,728/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,997 · 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).