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$20,520
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,158
−HK$648/mo
Today · 4.125%
HK$21,806
baseline
▲ 0.50% · 4.625%
HK$23,133
+HK$1,327/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,612/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,828
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,440
−HK$621/mo
Today · 4.125%
HK$24,061
baseline
▲ 0.50% · 4.625%
HK$25,330
+HK$1,269/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,122/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,624
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,390
−HK$778/mo
Today · 4.125%
HK$26,168
baseline
▲ 0.50% · 4.625%
HK$27,760
+HK$1,592/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,336/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,394
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,128
−HK$746/mo
Today · 4.125%
HK$28,874
baseline
▲ 0.50% · 4.625%
HK$30,395
+HK$1,521/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,748/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,728
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,621
−HK$908/mo
Today · 4.125%
HK$30,529
baseline
▲ 0.50% · 4.625%
HK$32,387
+HK$1,858/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,058/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,959
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,816
−HK$870/mo
Today · 4.125%
HK$33,686
baseline
▲ 0.50% · 4.625%
HK$35,461
+HK$1,775/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,372/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,935
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,084
−HK$1,168/mo
Today · 4.125%
HK$39,252
baseline
▲ 0.50% · 4.625%
HK$41,640
+HK$2,388/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,504/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,090
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,192
−HK$1,118/mo
Today · 4.125%
HK$43,310
baseline
▲ 0.50% · 4.625%
HK$45,593
+HK$2,283/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,620/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,966 · 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).