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$20,515
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,153
−HK$648/mo
Today · 4.125%
HK$21,801
baseline
▲ 0.50% · 4.625%
HK$23,127
+HK$1,326/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,602/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,822
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,434
−HK$621/mo
Today · 4.125%
HK$24,055
baseline
▲ 0.50% · 4.625%
HK$25,323
+HK$1,268/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,110/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,617
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,383
−HK$778/mo
Today · 4.125%
HK$26,161
baseline
▲ 0.50% · 4.625%
HK$27,753
+HK$1,592/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,322/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,387
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,121
−HK$745/mo
Today · 4.125%
HK$28,866
baseline
▲ 0.50% · 4.625%
HK$30,388
+HK$1,522/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,732/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,720
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,614
−HK$907/mo
Today · 4.125%
HK$30,521
baseline
▲ 0.50% · 4.625%
HK$32,378
+HK$1,857/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,042/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,951
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,808
−HK$869/mo
Today · 4.125%
HK$33,677
baseline
▲ 0.50% · 4.625%
HK$35,452
+HK$1,775/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,354/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,926
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,075
−HK$1,167/mo
Today · 4.125%
HK$39,242
baseline
▲ 0.50% · 4.625%
HK$41,629
+HK$2,387/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,484/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,080
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,182
−HK$1,117/mo
Today · 4.125%
HK$43,299
baseline
▲ 0.50% · 4.625%
HK$45,582
+HK$2,283/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,598/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,898 · 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).