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$18,258
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,826
−HK$577/mo
Today · 4.125%
HK$19,403
baseline
▲ 0.50% · 4.625%
HK$20,584
+HK$1,181/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,806/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,312
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,857
−HK$552/mo
Today · 4.125%
HK$21,409
baseline
▲ 0.50% · 4.625%
HK$22,538
+HK$1,129/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,818/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,910
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,591
−HK$693/mo
Today · 4.125%
HK$23,284
baseline
▲ 0.50% · 4.625%
HK$24,701
+HK$1,417/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,568/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,374
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,028
−HK$663/mo
Today · 4.125%
HK$25,691
baseline
▲ 0.50% · 4.625%
HK$27,046
+HK$1,355/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,382/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,561
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,357
−HK$807/mo
Today · 4.125%
HK$27,164
baseline
▲ 0.50% · 4.625%
HK$28,817
+HK$1,653/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,328/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,437
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,200
−HK$773/mo
Today · 4.125%
HK$29,973
baseline
▲ 0.50% · 4.625%
HK$31,553
+HK$1,580/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,946/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,865
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,887
−HK$1,039/mo
Today · 4.125%
HK$34,926
baseline
▲ 0.50% · 4.625%
HK$37,051
+HK$2,125/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$69,852/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,562
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,542
−HK$995/mo
Today · 4.125%
HK$38,537
baseline
▲ 0.50% · 4.625%
HK$40,568
+HK$2,031/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$77,074/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,213 · 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).