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$20,519
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,158
−HK$648/mo
Today · 4.125%
HK$21,806
baseline
▲ 0.50% · 4.625%
HK$23,133
+HK$1,327/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,612/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,828
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,440
−HK$621/mo
Today · 4.125%
HK$24,061
baseline
▲ 0.50% · 4.625%
HK$25,329
+HK$1,268/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,122/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,623
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,389
−HK$778/mo
Today · 4.125%
HK$26,167
baseline
▲ 0.50% · 4.625%
HK$27,760
+HK$1,593/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,334/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,393
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,128
−HK$745/mo
Today · 4.125%
HK$28,873
baseline
▲ 0.50% · 4.625%
HK$30,395
+HK$1,522/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,746/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,727
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,621
−HK$908/mo
Today · 4.125%
HK$30,529
baseline
▲ 0.50% · 4.625%
HK$32,386
+HK$1,857/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,058/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,959
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,816
−HK$869/mo
Today · 4.125%
HK$33,685
baseline
▲ 0.50% · 4.625%
HK$35,461
+HK$1,776/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,370/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,935
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,084
−HK$1,167/mo
Today · 4.125%
HK$39,251
baseline
▲ 0.50% · 4.625%
HK$41,639
+HK$2,388/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,502/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,090
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,192
−HK$1,118/mo
Today · 4.125%
HK$43,310
baseline
▲ 0.50% · 4.625%
HK$45,592
+HK$2,282/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,620/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,961 · 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).