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$20,512
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,150
−HK$649/mo
Today · 4.125%
HK$21,799
baseline
▲ 0.50% · 4.625%
HK$23,125
+HK$1,326/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,598/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,820
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,432
−HK$621/mo
Today · 4.125%
HK$24,053
baseline
▲ 0.50% · 4.625%
HK$25,320
+HK$1,267/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,106/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,615
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,380
−HK$778/mo
Today · 4.125%
HK$26,158
baseline
▲ 0.50% · 4.625%
HK$27,750
+HK$1,592/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,316/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,384
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,118
−HK$745/mo
Today · 4.125%
HK$28,863
baseline
▲ 0.50% · 4.625%
HK$30,384
+HK$1,521/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,726/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,717
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,610
−HK$908/mo
Today · 4.125%
HK$30,518
baseline
▲ 0.50% · 4.625%
HK$32,375
+HK$1,857/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,036/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,948
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,804
−HK$870/mo
Today · 4.125%
HK$33,674
baseline
▲ 0.50% · 4.625%
HK$35,449
+HK$1,775/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,348/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,922
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,071
−HK$1,166/mo
Today · 4.125%
HK$39,237
baseline
▲ 0.50% · 4.625%
HK$41,625
+HK$2,388/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,474/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,075
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,177
−HK$1,118/mo
Today · 4.125%
HK$43,295
baseline
▲ 0.50% · 4.625%
HK$45,577
+HK$2,282/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,590/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,868 · 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).