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$20,513
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,151
−HK$649/mo
Today · 4.125%
HK$21,800
baseline
▲ 0.50% · 4.625%
HK$23,126
+HK$1,326/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,600/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,821
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,433
−HK$621/mo
Today · 4.125%
HK$24,054
baseline
▲ 0.50% · 4.625%
HK$25,322
+HK$1,268/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,108/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,616
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,382
−HK$778/mo
Today · 4.125%
HK$26,160
baseline
▲ 0.50% · 4.625%
HK$27,751
+HK$1,591/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,320/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,385
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,119
−HK$745/mo
Today · 4.125%
HK$28,864
baseline
▲ 0.50% · 4.625%
HK$30,386
+HK$1,522/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,728/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,719
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,612
−HK$907/mo
Today · 4.125%
HK$30,519
baseline
▲ 0.50% · 4.625%
HK$32,376
+HK$1,857/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,038/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,949
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,806
−HK$869/mo
Today · 4.125%
HK$33,675
baseline
▲ 0.50% · 4.625%
HK$35,450
+HK$1,775/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,350/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,924
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,072
−HK$1,167/mo
Today · 4.125%
HK$39,239
baseline
▲ 0.50% · 4.625%
HK$41,627
+HK$2,388/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,478/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,077
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,179
−HK$1,118/mo
Today · 4.125%
HK$43,297
baseline
▲ 0.50% · 4.625%
HK$45,579
+HK$2,282/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,594/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,881 · 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).