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$18,234
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,801
−HK$576/mo
Today · 4.125%
HK$19,377
baseline
▲ 0.50% · 4.625%
HK$20,556
+HK$1,179/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,754/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,285
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,829
−HK$552/mo
Today · 4.125%
HK$21,381
baseline
▲ 0.50% · 4.625%
HK$22,508
+HK$1,127/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,762/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,881
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,561
−HK$692/mo
Today · 4.125%
HK$23,253
baseline
▲ 0.50% · 4.625%
HK$24,667
+HK$1,414/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,506/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,342
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,995
−HK$662/mo
Today · 4.125%
HK$25,657
baseline
▲ 0.50% · 4.625%
HK$27,009
+HK$1,352/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,314/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,527
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,321
−HK$807/mo
Today · 4.125%
HK$27,128
baseline
▲ 0.50% · 4.625%
HK$28,779
+HK$1,651/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,256/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,399
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,160
−HK$773/mo
Today · 4.125%
HK$29,933
baseline
▲ 0.50% · 4.625%
HK$31,511
+HK$1,578/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,866/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,821
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,842
−HK$1,037/mo
Today · 4.125%
HK$34,879
baseline
▲ 0.50% · 4.625%
HK$37,001
+HK$2,122/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,758/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,513
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,492
−HK$993/mo
Today · 4.125%
HK$38,485
baseline
▲ 0.50% · 4.625%
HK$40,514
+HK$2,029/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$76,970/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,891 · 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).