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$20,507
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,145
−HK$648/mo
Today · 4.125%
HK$21,793
baseline
▲ 0.50% · 4.625%
HK$23,119
+HK$1,326/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,586/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,814
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,426
−HK$620/mo
Today · 4.125%
HK$24,046
baseline
▲ 0.50% · 4.625%
HK$25,314
+HK$1,268/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,092/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,608
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,374
−HK$777/mo
Today · 4.125%
HK$26,151
baseline
▲ 0.50% · 4.625%
HK$27,743
+HK$1,592/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,302/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,376
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,111
−HK$745/mo
Today · 4.125%
HK$28,856
baseline
▲ 0.50% · 4.625%
HK$30,377
+HK$1,521/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,712/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,710
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,603
−HK$907/mo
Today · 4.125%
HK$30,510
baseline
▲ 0.50% · 4.625%
HK$32,367
+HK$1,857/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,020/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,939
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,796
−HK$869/mo
Today · 4.125%
HK$33,665
baseline
▲ 0.50% · 4.625%
HK$35,439
+HK$1,774/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,330/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,912
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,061
−HK$1,166/mo
Today · 4.125%
HK$39,227
baseline
▲ 0.50% · 4.625%
HK$41,614
+HK$2,387/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$78,454/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,065
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,166
−HK$1,117/mo
Today · 4.125%
HK$43,283
baseline
▲ 0.50% · 4.625%
HK$45,565
+HK$2,282/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$86,566/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,798 · 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).