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$18,237
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,804
−HK$576/mo
Today · 4.125%
HK$19,380
baseline
▲ 0.50% · 4.625%
HK$20,559
+HK$1,179/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,760/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,288
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,832
−HK$552/mo
Today · 4.125%
HK$21,384
baseline
▲ 0.50% · 4.625%
HK$22,511
+HK$1,127/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,768/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,884
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,565
−HK$691/mo
Today · 4.125%
HK$23,256
baseline
▲ 0.50% · 4.625%
HK$24,671
+HK$1,415/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,512/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,346
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,999
−HK$662/mo
Today · 4.125%
HK$25,661
baseline
▲ 0.50% · 4.625%
HK$27,014
+HK$1,353/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,322/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,531
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,325
−HK$807/mo
Today · 4.125%
HK$27,132
baseline
▲ 0.50% · 4.625%
HK$28,783
+HK$1,651/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,264/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,403
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,165
−HK$773/mo
Today · 4.125%
HK$29,938
baseline
▲ 0.50% · 4.625%
HK$31,516
+HK$1,578/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,876/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,826
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,847
−HK$1,037/mo
Today · 4.125%
HK$34,884
baseline
▲ 0.50% · 4.625%
HK$37,007
+HK$2,123/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,768/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,519
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,498
−HK$993/mo
Today · 4.125%
HK$38,491
baseline
▲ 0.50% · 4.625%
HK$40,520
+HK$2,029/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$76,982/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,929 · 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).