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$20,500
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,137
−HK$648/mo
Today · 4.125%
HK$21,785
baseline
▲ 0.50% · 4.625%
HK$23,111
+HK$1,326/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,570/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,806
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,417
−HK$621/mo
Today · 4.125%
HK$24,038
baseline
▲ 0.50% · 4.625%
HK$25,305
+HK$1,267/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,076/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,600
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,365
−HK$777/mo
Today · 4.125%
HK$26,142
baseline
▲ 0.50% · 4.625%
HK$27,733
+HK$1,591/mo
Deposit HK$3.60M · loan HK$5.39M · min. income ≈ HK$52,284/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,367
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,101
−HK$744/mo
Today · 4.125%
HK$28,845
baseline
▲ 0.50% · 4.625%
HK$30,366
+HK$1,521/mo
Deposit HK$3.60M · loan HK$5.39M · min. income ≈ HK$57,690/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,699
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,592
−HK$907/mo
Today · 4.125%
HK$30,499
baseline
▲ 0.50% · 4.625%
HK$32,355
+HK$1,856/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$60,998/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,928
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,784
−HK$869/mo
Today · 4.125%
HK$33,653
baseline
▲ 0.50% · 4.625%
HK$35,427
+HK$1,774/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$67,306/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,899
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,047
−HK$1,166/mo
Today · 4.125%
HK$39,213
baseline
▲ 0.50% · 4.625%
HK$41,599
+HK$2,386/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$78,426/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,050
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,151
−HK$1,117/mo
Today · 4.125%
HK$43,268
baseline
▲ 0.50% · 4.625%
HK$45,549
+HK$2,281/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$86,536/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,702 · 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).