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$1,286/mo
▼ 0.25% · 3.875%
HK$21,142
−HK$648/mo
Today · 4.125%
HK$21,790
baseline
▲ 0.50% · 4.625%
HK$23,116
+HK$1,326/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,580/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,811
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,422
−HK$621/mo
Today · 4.125%
HK$24,043
baseline
▲ 0.50% · 4.625%
HK$25,310
+HK$1,267/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,086/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,605
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,370
−HK$778/mo
Today · 4.125%
HK$26,148
baseline
▲ 0.50% · 4.625%
HK$27,739
+HK$1,591/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,296/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,373
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,107
−HK$745/mo
Today · 4.125%
HK$28,852
baseline
▲ 0.50% · 4.625%
HK$30,372
+HK$1,520/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,704/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,706
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,599
−HK$907/mo
Today · 4.125%
HK$30,506
baseline
▲ 0.50% · 4.625%
HK$32,362
+HK$1,856/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$61,012/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,935
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,791
−HK$869/mo
Today · 4.125%
HK$33,660
baseline
▲ 0.50% · 4.625%
HK$35,434
+HK$1,774/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$67,320/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,907
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,055
−HK$1,167/mo
Today · 4.125%
HK$39,222
baseline
▲ 0.50% · 4.625%
HK$41,608
+HK$2,386/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$78,444/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,059
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,160
−HK$1,117/mo
Today · 4.125%
HK$43,277
baseline
▲ 0.50% · 4.625%
HK$45,559
+HK$2,282/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$86,554/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,761 · 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).