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$20,507
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,145
−HK$648/mo
Today · 4.125%
HK$21,793
baseline
▲ 0.50% · 4.625%
HK$23,119
+HK$1,326/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,586/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,814
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,426
−HK$621/mo
Today · 4.125%
HK$24,047
baseline
▲ 0.50% · 4.625%
HK$25,314
+HK$1,267/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,094/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,609
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,374
−HK$778/mo
Today · 4.125%
HK$26,152
baseline
▲ 0.50% · 4.625%
HK$27,743
+HK$1,591/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,304/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,377
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,111
−HK$745/mo
Today · 4.125%
HK$28,856
baseline
▲ 0.50% · 4.625%
HK$30,377
+HK$1,521/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,712/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,710
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,603
−HK$908/mo
Today · 4.125%
HK$30,511
baseline
▲ 0.50% · 4.625%
HK$32,367
+HK$1,856/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,022/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,940
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,797
−HK$869/mo
Today · 4.125%
HK$33,666
baseline
▲ 0.50% · 4.625%
HK$35,440
+HK$1,774/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,332/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,913
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,061
−HK$1,167/mo
Today · 4.125%
HK$39,228
baseline
▲ 0.50% · 4.625%
HK$41,615
+HK$2,387/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$78,456/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,066
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,167
−HK$1,117/mo
Today · 4.125%
HK$43,284
baseline
▲ 0.50% · 4.625%
HK$45,566
+HK$2,282/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$86,568/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,804 · 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).