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$20,510
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,148
−HK$648/mo
Today · 4.125%
HK$21,796
baseline
▲ 0.50% · 4.625%
HK$23,122
+HK$1,326/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,592/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,817
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,429
−HK$621/mo
Today · 4.125%
HK$24,050
baseline
▲ 0.50% · 4.625%
HK$25,317
+HK$1,267/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,100/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,612
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,377
−HK$778/mo
Today · 4.125%
HK$26,155
baseline
▲ 0.50% · 4.625%
HK$27,747
+HK$1,592/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,310/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,380
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,115
−HK$745/mo
Today · 4.125%
HK$28,860
baseline
▲ 0.50% · 4.625%
HK$30,381
+HK$1,521/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,720/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,714
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,607
−HK$907/mo
Today · 4.125%
HK$30,514
baseline
▲ 0.50% · 4.625%
HK$32,371
+HK$1,857/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,028/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,944
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,800
−HK$870/mo
Today · 4.125%
HK$33,670
baseline
▲ 0.50% · 4.625%
HK$35,444
+HK$1,774/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,340/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,918
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,066
−HK$1,167/mo
Today · 4.125%
HK$39,233
baseline
▲ 0.50% · 4.625%
HK$41,620
+HK$2,387/mo
Deposit HK$899K · loan HK$8.10M · min. income ≈ HK$78,466/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,070
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,172
−HK$1,117/mo
Today · 4.125%
HK$43,289
baseline
▲ 0.50% · 4.625%
HK$45,571
+HK$2,282/mo
Deposit HK$899K · loan HK$8.10M · min. income ≈ HK$86,578/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,836 · 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).