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$20,509
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,147
−HK$648/mo
Today · 4.125%
HK$21,795
baseline
▲ 0.50% · 4.625%
HK$23,121
+HK$1,326/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,590/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,816
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,427
−HK$621/mo
Today · 4.125%
HK$24,048
baseline
▲ 0.50% · 4.625%
HK$25,316
+HK$1,268/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,096/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,610
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,376
−HK$778/mo
Today · 4.125%
HK$26,154
baseline
▲ 0.50% · 4.625%
HK$27,745
+HK$1,591/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,308/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,379
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,113
−HK$745/mo
Today · 4.125%
HK$28,858
baseline
▲ 0.50% · 4.625%
HK$30,379
+HK$1,521/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,716/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,712
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,605
−HK$908/mo
Today · 4.125%
HK$30,513
baseline
▲ 0.50% · 4.625%
HK$32,369
+HK$1,856/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,026/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,942
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,798
−HK$870/mo
Today · 4.125%
HK$33,668
baseline
▲ 0.50% · 4.625%
HK$35,442
+HK$1,774/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,336/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,915
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,064
−HK$1,166/mo
Today · 4.125%
HK$39,230
baseline
▲ 0.50% · 4.625%
HK$41,617
+HK$2,387/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$78,460/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,068
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,169
−HK$1,118/mo
Today · 4.125%
HK$43,287
baseline
▲ 0.50% · 4.625%
HK$45,569
+HK$2,282/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$86,574/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,820 · 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).