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$18,242
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,810
−HK$576/mo
Today · 4.125%
HK$19,386
baseline
▲ 0.50% · 4.625%
HK$20,566
+HK$1,180/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,772/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,294
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,839
−HK$552/mo
Today · 4.125%
HK$21,391
baseline
▲ 0.50% · 4.625%
HK$22,518
+HK$1,127/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,782/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,891
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,572
−HK$692/mo
Today · 4.125%
HK$23,264
baseline
▲ 0.50% · 4.625%
HK$24,679
+HK$1,415/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,528/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,353
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,006
−HK$663/mo
Today · 4.125%
HK$25,669
baseline
▲ 0.50% · 4.625%
HK$27,022
+HK$1,353/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,338/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,539
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,334
−HK$807/mo
Today · 4.125%
HK$27,141
baseline
▲ 0.50% · 4.625%
HK$28,792
+HK$1,651/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,282/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,412
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,174
−HK$773/mo
Today · 4.125%
HK$29,947
baseline
▲ 0.50% · 4.625%
HK$31,526
+HK$1,579/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,894/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,836
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,858
−HK$1,037/mo
Today · 4.125%
HK$34,895
baseline
▲ 0.50% · 4.625%
HK$37,019
+HK$2,124/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,790/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,530
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,510
−HK$994/mo
Today · 4.125%
HK$38,504
baseline
▲ 0.50% · 4.625%
HK$40,533
+HK$2,029/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$77,008/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,004 · 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).