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$20,508
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,146
−HK$648/mo
Today · 4.125%
HK$21,794
baseline
▲ 0.50% · 4.625%
HK$23,120
+HK$1,326/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,588/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,815
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,427
−HK$621/mo
Today · 4.125%
HK$24,048
baseline
▲ 0.50% · 4.625%
HK$25,315
+HK$1,267/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,096/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,610
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,375
−HK$778/mo
Today · 4.125%
HK$26,153
baseline
▲ 0.50% · 4.625%
HK$27,744
+HK$1,591/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,306/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,378
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,112
−HK$745/mo
Today · 4.125%
HK$28,857
baseline
▲ 0.50% · 4.625%
HK$30,378
+HK$1,521/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,714/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,711
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,604
−HK$908/mo
Today · 4.125%
HK$30,512
baseline
▲ 0.50% · 4.625%
HK$32,368
+HK$1,856/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,024/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,941
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,798
−HK$869/mo
Today · 4.125%
HK$33,667
baseline
▲ 0.50% · 4.625%
HK$35,441
+HK$1,774/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,334/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,914
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,063
−HK$1,166/mo
Today · 4.125%
HK$39,229
baseline
▲ 0.50% · 4.625%
HK$41,616
+HK$2,387/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$78,458/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,067
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,168
−HK$1,118/mo
Today · 4.125%
HK$43,286
baseline
▲ 0.50% · 4.625%
HK$45,567
+HK$2,281/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$86,572/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,812 · 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).