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$20,516
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,154
−HK$649/mo
Today · 4.125%
HK$21,803
baseline
▲ 0.50% · 4.625%
HK$23,130
+HK$1,327/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,606/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,824
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,436
−HK$621/mo
Today · 4.125%
HK$24,057
baseline
▲ 0.50% · 4.625%
HK$25,325
+HK$1,268/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,114/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,620
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,385
−HK$778/mo
Today · 4.125%
HK$26,163
baseline
▲ 0.50% · 4.625%
HK$27,755
+HK$1,592/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,326/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,389
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,124
−HK$745/mo
Today · 4.125%
HK$28,869
baseline
▲ 0.50% · 4.625%
HK$30,390
+HK$1,521/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,738/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,723
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,616
−HK$908/mo
Today · 4.125%
HK$30,524
baseline
▲ 0.50% · 4.625%
HK$32,381
+HK$1,857/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,048/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,954
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,811
−HK$869/mo
Today · 4.125%
HK$33,680
baseline
▲ 0.50% · 4.625%
HK$35,456
+HK$1,776/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,360/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,929
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,078
−HK$1,167/mo
Today · 4.125%
HK$39,245
baseline
▲ 0.50% · 4.625%
HK$41,633
+HK$2,388/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,490/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,084
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,185
−HK$1,118/mo
Today · 4.125%
HK$43,303
baseline
▲ 0.50% · 4.625%
HK$45,586
+HK$2,283/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,606/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,922 · 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).