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$1,287/mo
▼ 0.25% · 3.875%
HK$21,154
−HK$648/mo
Today · 4.125%
HK$21,802
baseline
▲ 0.50% · 4.625%
HK$23,128
+HK$1,326/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,604/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,823
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,435
−HK$621/mo
Today · 4.125%
HK$24,056
baseline
▲ 0.50% · 4.625%
HK$25,324
+HK$1,268/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,112/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,618
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,384
−HK$778/mo
Today · 4.125%
HK$26,162
baseline
▲ 0.50% · 4.625%
HK$27,754
+HK$1,592/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,324/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,388
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,122
−HK$745/mo
Today · 4.125%
HK$28,867
baseline
▲ 0.50% · 4.625%
HK$30,389
+HK$1,522/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,734/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,722
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,615
−HK$908/mo
Today · 4.125%
HK$30,523
baseline
▲ 0.50% · 4.625%
HK$32,380
+HK$1,857/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,046/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,952
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,809
−HK$870/mo
Today · 4.125%
HK$33,679
baseline
▲ 0.50% · 4.625%
HK$35,454
+HK$1,775/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,358/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,928
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,076
−HK$1,167/mo
Today · 4.125%
HK$39,243
baseline
▲ 0.50% · 4.625%
HK$41,631
+HK$2,388/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,486/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,082
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,183
−HK$1,118/mo
Today · 4.125%
HK$43,301
baseline
▲ 0.50% · 4.625%
HK$45,584
+HK$2,283/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,602/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,909 · 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).