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$20,501
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,139
−HK$647/mo
Today · 4.125%
HK$21,786
baseline
▲ 0.50% · 4.625%
HK$23,112
+HK$1,326/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,572/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,807
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,419
−HK$620/mo
Today · 4.125%
HK$24,039
baseline
▲ 0.50% · 4.625%
HK$25,306
+HK$1,267/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,078/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,601
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,366
−HK$778/mo
Today · 4.125%
HK$26,144
baseline
▲ 0.50% · 4.625%
HK$27,734
+HK$1,590/mo
Deposit HK$3.60M · loan HK$5.39M · min. income ≈ HK$52,288/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,368
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,102
−HK$745/mo
Today · 4.125%
HK$28,847
baseline
▲ 0.50% · 4.625%
HK$30,368
+HK$1,521/mo
Deposit HK$3.60M · loan HK$5.39M · min. income ≈ HK$57,694/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,701
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,594
−HK$907/mo
Today · 4.125%
HK$30,501
baseline
▲ 0.50% · 4.625%
HK$32,357
+HK$1,856/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$61,002/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,930
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,786
−HK$869/mo
Today · 4.125%
HK$33,655
baseline
▲ 0.50% · 4.625%
HK$35,429
+HK$1,774/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$67,310/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,901
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,049
−HK$1,167/mo
Today · 4.125%
HK$39,216
baseline
▲ 0.50% · 4.625%
HK$41,602
+HK$2,386/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$78,432/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,053
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,154
−HK$1,116/mo
Today · 4.125%
HK$43,270
baseline
▲ 0.50% · 4.625%
HK$45,551
+HK$2,281/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$86,540/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,718 · 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).