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$1,286/mo
▼ 0.25% · 3.875%
HK$21,150
−HK$648/mo
Today · 4.125%
HK$21,798
baseline
▲ 0.50% · 4.625%
HK$23,124
+HK$1,326/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,596/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,819
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,431
−HK$621/mo
Today · 4.125%
HK$24,052
baseline
▲ 0.50% · 4.625%
HK$25,320
+HK$1,268/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,104/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,614
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,380
−HK$777/mo
Today · 4.125%
HK$26,157
baseline
▲ 0.50% · 4.625%
HK$27,749
+HK$1,592/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$269,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,383
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,117
−HK$745/mo
Today · 4.125%
HK$28,862
baseline
▲ 0.50% · 4.625%
HK$30,384
+HK$1,522/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,724/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,716
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,610
−HK$907/mo
Today · 4.125%
HK$30,517
baseline
▲ 0.50% · 4.625%
HK$32,374
+HK$1,857/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,034/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,947
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,803
−HK$870/mo
Today · 4.125%
HK$33,673
baseline
▲ 0.50% · 4.625%
HK$35,447
+HK$1,774/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,346/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,921
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,069
−HK$1,167/mo
Today · 4.125%
HK$39,236
baseline
▲ 0.50% · 4.625%
HK$41,624
+HK$2,388/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,472/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,074
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,176
−HK$1,117/mo
Today · 4.125%
HK$43,293
baseline
▲ 0.50% · 4.625%
HK$45,575
+HK$2,282/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,586/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,860 · 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).