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$20,504
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,141
−HK$648/mo
Today · 4.125%
HK$21,789
baseline
▲ 0.50% · 4.625%
HK$23,115
+HK$1,326/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,578/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,810
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,422
−HK$620/mo
Today · 4.125%
HK$24,042
baseline
▲ 0.50% · 4.625%
HK$25,310
+HK$1,268/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,084/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,604
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,370
−HK$777/mo
Today · 4.125%
HK$26,147
baseline
▲ 0.50% · 4.625%
HK$27,738
+HK$1,591/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,294/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,372
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,106
−HK$745/mo
Today · 4.125%
HK$28,851
baseline
▲ 0.50% · 4.625%
HK$30,372
+HK$1,521/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,702/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,705
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,598
−HK$907/mo
Today · 4.125%
HK$30,505
baseline
▲ 0.50% · 4.625%
HK$32,361
+HK$1,856/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$61,010/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,934
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,790
−HK$869/mo
Today · 4.125%
HK$33,659
baseline
▲ 0.50% · 4.625%
HK$35,433
+HK$1,774/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$67,318/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,906
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,054
−HK$1,167/mo
Today · 4.125%
HK$39,221
baseline
▲ 0.50% · 4.625%
HK$41,607
+HK$2,386/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$78,442/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,058
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,159
−HK$1,117/mo
Today · 4.125%
HK$43,276
baseline
▲ 0.50% · 4.625%
HK$45,557
+HK$2,281/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$86,552/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,753 · 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).