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$18,223
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,790
−HK$576/mo
Today · 4.125%
HK$19,366
baseline
▲ 0.50% · 4.625%
HK$20,545
+HK$1,179/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,732/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,273
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,817
−HK$552/mo
Today · 4.125%
HK$21,369
baseline
▲ 0.50% · 4.625%
HK$22,495
+HK$1,126/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,738/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,868
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,548
−HK$691/mo
Today · 4.125%
HK$23,239
baseline
▲ 0.50% · 4.625%
HK$24,654
+HK$1,415/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,478/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,328
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,981
−HK$661/mo
Today · 4.125%
HK$25,642
baseline
▲ 0.50% · 4.625%
HK$26,994
+HK$1,352/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,284/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,513
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,306
−HK$807/mo
Today · 4.125%
HK$27,113
baseline
▲ 0.50% · 4.625%
HK$28,762
+HK$1,649/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$54,226/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,383
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,144
−HK$772/mo
Today · 4.125%
HK$29,916
baseline
▲ 0.50% · 4.625%
HK$31,493
+HK$1,577/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$59,832/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,802
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,823
−HK$1,036/mo
Today · 4.125%
HK$34,859
baseline
▲ 0.50% · 4.625%
HK$36,980
+HK$2,121/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,718/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,492
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,471
−HK$993/mo
Today · 4.125%
HK$38,464
baseline
▲ 0.50% · 4.625%
HK$40,491
+HK$2,027/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$76,928/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,756 · 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).