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$20,509
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,147
−HK$648/mo
Today · 4.125%
HK$21,795
baseline
▲ 0.50% · 4.625%
HK$23,122
+HK$1,327/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,590/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,816
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,428
−HK$621/mo
Today · 4.125%
HK$24,049
baseline
▲ 0.50% · 4.625%
HK$25,317
+HK$1,268/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,098/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,611
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,377
−HK$778/mo
Today · 4.125%
HK$26,155
baseline
▲ 0.50% · 4.625%
HK$27,746
+HK$1,591/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$269,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,380
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,114
−HK$745/mo
Today · 4.125%
HK$28,859
baseline
▲ 0.50% · 4.625%
HK$30,380
+HK$1,521/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,718/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,713
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,606
−HK$908/mo
Today · 4.125%
HK$30,514
baseline
▲ 0.50% · 4.625%
HK$32,370
+HK$1,856/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$269,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,943
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,800
−HK$869/mo
Today · 4.125%
HK$33,669
baseline
▲ 0.50% · 4.625%
HK$35,443
+HK$1,774/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,338/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,917
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,065
−HK$1,167/mo
Today · 4.125%
HK$39,232
baseline
▲ 0.50% · 4.625%
HK$41,619
+HK$2,387/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$78,464/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,070
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,171
−HK$1,117/mo
Today · 4.125%
HK$43,288
baseline
▲ 0.50% · 4.625%
HK$45,570
+HK$2,282/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$86,576/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,830 · 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).