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$1,287/mo
▼ 0.25% · 3.875%
HK$21,148
−HK$649/mo
Today · 4.125%
HK$21,797
baseline
▲ 0.50% · 4.625%
HK$23,123
+HK$1,326/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,594/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,818
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,430
−HK$620/mo
Today · 4.125%
HK$24,050
baseline
▲ 0.50% · 4.625%
HK$25,318
+HK$1,268/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$269,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,612
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,378
−HK$778/mo
Today · 4.125%
HK$26,156
baseline
▲ 0.50% · 4.625%
HK$27,747
+HK$1,591/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,312/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,381
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,115
−HK$745/mo
Today · 4.125%
HK$28,860
baseline
▲ 0.50% · 4.625%
HK$30,382
+HK$1,522/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$269,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,715
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,608
−HK$907/mo
Today · 4.125%
HK$30,515
baseline
▲ 0.50% · 4.625%
HK$32,372
+HK$1,857/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,030/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,945
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,801
−HK$869/mo
Today · 4.125%
HK$33,670
baseline
▲ 0.50% · 4.625%
HK$35,445
+HK$1,775/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$269,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,919
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,067
−HK$1,167/mo
Today · 4.125%
HK$39,234
baseline
▲ 0.50% · 4.625%
HK$41,621
+HK$2,387/mo
Deposit HK$899K · loan HK$8.10M · min. income ≈ HK$78,468/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,072
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,173
−HK$1,118/mo
Today · 4.125%
HK$43,291
baseline
▲ 0.50% · 4.625%
HK$45,573
+HK$2,282/mo
Deposit HK$899K · loan HK$8.10M · min. income ≈ HK$86,582/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,844 · 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).