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$20,522
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,160
−HK$649/mo
Today · 4.125%
HK$21,809
baseline
▲ 0.50% · 4.625%
HK$23,136
+HK$1,327/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,618/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,830
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,442
−HK$622/mo
Today · 4.125%
HK$24,064
baseline
▲ 0.50% · 4.625%
HK$25,332
+HK$1,268/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,128/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,626
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,392
−HK$778/mo
Today · 4.125%
HK$26,170
baseline
▲ 0.50% · 4.625%
HK$27,763
+HK$1,593/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,340/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,396
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,131
−HK$745/mo
Today · 4.125%
HK$28,876
baseline
▲ 0.50% · 4.625%
HK$30,398
+HK$1,522/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,752/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,730
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,624
−HK$908/mo
Today · 4.125%
HK$30,532
baseline
▲ 0.50% · 4.625%
HK$32,390
+HK$1,858/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,064/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,962
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,819
−HK$870/mo
Today · 4.125%
HK$33,689
baseline
▲ 0.50% · 4.625%
HK$35,465
+HK$1,776/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,378/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,939
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,088
−HK$1,167/mo
Today · 4.125%
HK$39,255
baseline
▲ 0.50% · 4.625%
HK$41,644
+HK$2,389/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,510/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,094
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,196
−HK$1,118/mo
Today · 4.125%
HK$43,314
baseline
▲ 0.50% · 4.625%
HK$45,598
+HK$2,284/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,628/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,992 · 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).