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$18,240
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,807
−HK$577/mo
Today · 4.125%
HK$19,384
baseline
▲ 0.50% · 4.625%
HK$20,563
+HK$1,179/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,768/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,292
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,836
−HK$552/mo
Today · 4.125%
HK$21,388
baseline
▲ 0.50% · 4.625%
HK$22,515
+HK$1,127/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,776/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,888
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,569
−HK$692/mo
Today · 4.125%
HK$23,261
baseline
▲ 0.50% · 4.625%
HK$24,676
+HK$1,415/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,522/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,350
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,003
−HK$663/mo
Today · 4.125%
HK$25,666
baseline
▲ 0.50% · 4.625%
HK$27,019
+HK$1,353/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,332/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,536
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,330
−HK$807/mo
Today · 4.125%
HK$27,137
baseline
▲ 0.50% · 4.625%
HK$28,788
+HK$1,651/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,274/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,408
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,170
−HK$773/mo
Today · 4.125%
HK$29,943
baseline
▲ 0.50% · 4.625%
HK$31,522
+HK$1,579/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,886/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,832
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,853
−HK$1,038/mo
Today · 4.125%
HK$34,891
baseline
▲ 0.50% · 4.625%
HK$37,014
+HK$2,123/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,782/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,525
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,505
−HK$994/mo
Today · 4.125%
HK$38,499
baseline
▲ 0.50% · 4.625%
HK$40,528
+HK$2,029/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$76,998/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,973 · 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).