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$20,502
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,140
−HK$647/mo
Today · 4.125%
HK$21,787
baseline
▲ 0.50% · 4.625%
HK$23,113
+HK$1,326/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,574/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,808
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,420
−HK$620/mo
Today · 4.125%
HK$24,040
baseline
▲ 0.50% · 4.625%
HK$25,308
+HK$1,268/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,080/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,602
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,367
−HK$778/mo
Today · 4.125%
HK$26,145
baseline
▲ 0.50% · 4.625%
HK$27,736
+HK$1,591/mo
Deposit HK$3.60M · loan HK$5.39M · min. income ≈ HK$52,290/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,370
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,104
−HK$744/mo
Today · 4.125%
HK$28,848
baseline
▲ 0.50% · 4.625%
HK$30,369
+HK$1,521/mo
Deposit HK$3.60M · loan HK$5.39M · min. income ≈ HK$57,696/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,703
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,595
−HK$907/mo
Today · 4.125%
HK$30,502
baseline
▲ 0.50% · 4.625%
HK$32,358
+HK$1,856/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$61,004/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,931
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,788
−HK$868/mo
Today · 4.125%
HK$33,656
baseline
▲ 0.50% · 4.625%
HK$35,431
+HK$1,775/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$67,312/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,903
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,051
−HK$1,166/mo
Today · 4.125%
HK$39,217
baseline
▲ 0.50% · 4.625%
HK$41,604
+HK$2,387/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$78,434/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,055
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,156
−HK$1,117/mo
Today · 4.125%
HK$43,273
baseline
▲ 0.50% · 4.625%
HK$45,554
+HK$2,281/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$86,546/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,731 · 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).