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$20,502
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,140
−HK$648/mo
Today · 4.125%
HK$21,788
baseline
▲ 0.50% · 4.625%
HK$23,114
+HK$1,326/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,576/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,809
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,421
−HK$620/mo
Today · 4.125%
HK$24,041
baseline
▲ 0.50% · 4.625%
HK$25,308
+HK$1,267/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,082/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,603
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,368
−HK$778/mo
Today · 4.125%
HK$26,146
baseline
▲ 0.50% · 4.625%
HK$27,737
+HK$1,591/mo
Deposit HK$3.60M · loan HK$5.39M · min. income ≈ HK$52,292/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,371
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,105
−HK$744/mo
Today · 4.125%
HK$28,849
baseline
▲ 0.50% · 4.625%
HK$30,370
+HK$1,521/mo
Deposit HK$3.60M · loan HK$5.39M · min. income ≈ HK$57,698/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,703
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,596
−HK$907/mo
Today · 4.125%
HK$30,503
baseline
▲ 0.50% · 4.625%
HK$32,359
+HK$1,856/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$61,006/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,932
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,789
−HK$869/mo
Today · 4.125%
HK$33,658
baseline
▲ 0.50% · 4.625%
HK$35,432
+HK$1,774/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$67,316/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,904
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,052
−HK$1,167/mo
Today · 4.125%
HK$39,219
baseline
▲ 0.50% · 4.625%
HK$41,605
+HK$2,386/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$78,438/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,056
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,157
−HK$1,117/mo
Today · 4.125%
HK$43,274
baseline
▲ 0.50% · 4.625%
HK$45,555
+HK$2,281/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$86,548/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,740 · 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).