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$18,241
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,809
−HK$576/mo
Today · 4.125%
HK$19,385
baseline
▲ 0.50% · 4.625%
HK$20,565
+HK$1,180/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,770/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,293
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,838
−HK$552/mo
Today · 4.125%
HK$21,390
baseline
▲ 0.50% · 4.625%
HK$22,517
+HK$1,127/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,780/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,890
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,570
−HK$692/mo
Today · 4.125%
HK$23,262
baseline
▲ 0.50% · 4.625%
HK$24,678
+HK$1,416/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,524/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,352
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,005
−HK$663/mo
Today · 4.125%
HK$25,668
baseline
▲ 0.50% · 4.625%
HK$27,021
+HK$1,353/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,336/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,538
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,332
−HK$807/mo
Today · 4.125%
HK$27,139
baseline
▲ 0.50% · 4.625%
HK$28,791
+HK$1,652/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,278/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,411
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,173
−HK$773/mo
Today · 4.125%
HK$29,946
baseline
▲ 0.50% · 4.625%
HK$31,524
+HK$1,578/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,892/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,834
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,856
−HK$1,037/mo
Today · 4.125%
HK$34,893
baseline
▲ 0.50% · 4.625%
HK$37,017
+HK$2,124/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,786/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,528
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,508
−HK$993/mo
Today · 4.125%
HK$38,501
baseline
▲ 0.50% · 4.625%
HK$40,531
+HK$2,030/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$77,002/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,991 · 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).