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$20,511
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,149
−HK$648/mo
Today · 4.125%
HK$21,797
baseline
▲ 0.50% · 4.625%
HK$23,124
+HK$1,327/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,594/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,818
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,430
−HK$621/mo
Today · 4.125%
HK$24,051
baseline
▲ 0.50% · 4.625%
HK$25,319
+HK$1,268/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,102/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,613
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,379
−HK$778/mo
Today · 4.125%
HK$26,157
baseline
▲ 0.50% · 4.625%
HK$27,748
+HK$1,591/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,314/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,382
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,116
−HK$745/mo
Today · 4.125%
HK$28,861
baseline
▲ 0.50% · 4.625%
HK$30,383
+HK$1,522/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,722/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,716
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,609
−HK$907/mo
Today · 4.125%
HK$30,516
baseline
▲ 0.50% · 4.625%
HK$32,373
+HK$1,857/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,032/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,946
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,802
−HK$870/mo
Today · 4.125%
HK$33,672
baseline
▲ 0.50% · 4.625%
HK$35,447
+HK$1,775/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,344/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,920
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,068
−HK$1,167/mo
Today · 4.125%
HK$39,235
baseline
▲ 0.50% · 4.625%
HK$41,623
+HK$2,388/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,470/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,073
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,175
−HK$1,117/mo
Today · 4.125%
HK$43,292
baseline
▲ 0.50% · 4.625%
HK$45,574
+HK$2,282/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,584/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,853 · 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).