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$20,521
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,159
−HK$649/mo
Today · 4.125%
HK$21,808
baseline
▲ 0.50% · 4.625%
HK$23,135
+HK$1,327/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,616/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,829
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,441
−HK$622/mo
Today · 4.125%
HK$24,063
baseline
▲ 0.50% · 4.625%
HK$25,331
+HK$1,268/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,126/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,625
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,391
−HK$778/mo
Today · 4.125%
HK$26,169
baseline
▲ 0.50% · 4.625%
HK$27,761
+HK$1,592/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,338/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,395
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,130
−HK$745/mo
Today · 4.125%
HK$28,875
baseline
▲ 0.50% · 4.625%
HK$30,397
+HK$1,522/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,750/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,729
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,623
−HK$908/mo
Today · 4.125%
HK$30,531
baseline
▲ 0.50% · 4.625%
HK$32,388
+HK$1,857/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,062/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,961
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,818
−HK$870/mo
Today · 4.125%
HK$33,688
baseline
▲ 0.50% · 4.625%
HK$35,463
+HK$1,775/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,376/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,937
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,086
−HK$1,168/mo
Today · 4.125%
HK$39,254
baseline
▲ 0.50% · 4.625%
HK$41,642
+HK$2,388/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,508/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,092
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,195
−HK$1,118/mo
Today · 4.125%
HK$43,313
baseline
▲ 0.50% · 4.625%
HK$45,596
+HK$2,283/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,626/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,980 · 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).