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$20,519
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,157
−HK$648/mo
Today · 4.125%
HK$21,805
baseline
▲ 0.50% · 4.625%
HK$23,132
+HK$1,327/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,610/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,827
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,439
−HK$621/mo
Today · 4.125%
HK$24,060
baseline
▲ 0.50% · 4.625%
HK$25,328
+HK$1,268/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,120/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,622
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,388
−HK$778/mo
Today · 4.125%
HK$26,166
baseline
▲ 0.50% · 4.625%
HK$27,758
+HK$1,592/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,332/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,392
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,127
−HK$745/mo
Today · 4.125%
HK$28,872
baseline
▲ 0.50% · 4.625%
HK$30,394
+HK$1,522/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,744/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,726
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,620
−HK$907/mo
Today · 4.125%
HK$30,527
baseline
▲ 0.50% · 4.625%
HK$32,385
+HK$1,858/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,054/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,957
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,814
−HK$870/mo
Today · 4.125%
HK$33,684
baseline
▲ 0.50% · 4.625%
HK$35,459
+HK$1,775/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,368/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,933
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,082
−HK$1,167/mo
Today · 4.125%
HK$39,249
baseline
▲ 0.50% · 4.625%
HK$41,638
+HK$2,389/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,498/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,088
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,190
−HK$1,118/mo
Today · 4.125%
HK$43,308
baseline
▲ 0.50% · 4.625%
HK$45,591
+HK$2,283/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,616/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,951 · 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).