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$18,229
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,796
−HK$576/mo
Today · 4.125%
HK$19,372
baseline
▲ 0.50% · 4.625%
HK$20,551
+HK$1,179/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,744/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,279
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,823
−HK$552/mo
Today · 4.125%
HK$21,375
baseline
▲ 0.50% · 4.625%
HK$22,502
+HK$1,127/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,750/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,875
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,555
−HK$691/mo
Today · 4.125%
HK$23,246
baseline
▲ 0.50% · 4.625%
HK$24,661
+HK$1,415/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,492/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,335
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,988
−HK$662/mo
Today · 4.125%
HK$25,650
baseline
▲ 0.50% · 4.625%
HK$27,002
+HK$1,352/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,300/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,520
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,314
−HK$807/mo
Today · 4.125%
HK$27,121
baseline
▲ 0.50% · 4.625%
HK$28,771
+HK$1,650/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,242/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,391
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,153
−HK$772/mo
Today · 4.125%
HK$29,925
baseline
▲ 0.50% · 4.625%
HK$31,502
+HK$1,577/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,850/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,812
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,833
−HK$1,036/mo
Today · 4.125%
HK$34,869
baseline
▲ 0.50% · 4.625%
HK$36,991
+HK$2,122/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,738/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,503
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,482
−HK$993/mo
Today · 4.125%
HK$38,475
baseline
▲ 0.50% · 4.625%
HK$40,503
+HK$2,028/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$76,950/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,827 · 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).