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$20,505
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,142
−HK$648/mo
Today · 4.125%
HK$21,790
baseline
▲ 0.50% · 4.625%
HK$23,116
+HK$1,326/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,580/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,811
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,423
−HK$621/mo
Today · 4.125%
HK$24,044
baseline
▲ 0.50% · 4.625%
HK$25,311
+HK$1,267/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,088/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,606
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,371
−HK$778/mo
Today · 4.125%
HK$26,149
baseline
▲ 0.50% · 4.625%
HK$27,740
+HK$1,591/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,298/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,373
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,108
−HK$744/mo
Today · 4.125%
HK$28,852
baseline
▲ 0.50% · 4.625%
HK$30,373
+HK$1,521/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,704/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,707
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,599
−HK$908/mo
Today · 4.125%
HK$30,507
baseline
▲ 0.50% · 4.625%
HK$32,363
+HK$1,856/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$61,014/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,936
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,792
−HK$869/mo
Today · 4.125%
HK$33,661
baseline
▲ 0.50% · 4.625%
HK$35,435
+HK$1,774/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$67,322/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,908
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,056
−HK$1,167/mo
Today · 4.125%
HK$39,223
baseline
▲ 0.50% · 4.625%
HK$41,610
+HK$2,387/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$78,446/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,060
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,161
−HK$1,118/mo
Today · 4.125%
HK$43,279
baseline
▲ 0.50% · 4.625%
HK$45,560
+HK$2,281/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$86,558/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,768 · 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).