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$1,142/mo
▼ 0.25% · 3.875%
HK$18,790
−HK$575/mo
Today · 4.125%
HK$19,365
baseline
▲ 0.50% · 4.625%
HK$20,544
+HK$1,179/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,730/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,273
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,816
−HK$552/mo
Today · 4.125%
HK$21,368
baseline
▲ 0.50% · 4.625%
HK$22,494
+HK$1,126/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,736/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,867
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,547
−HK$692/mo
Today · 4.125%
HK$23,239
baseline
▲ 0.50% · 4.625%
HK$24,653
+HK$1,414/mo
Deposit HK$3.20M · loan HK$4.79M · min. income ≈ HK$46,478/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,327
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,980
−HK$661/mo
Today · 4.125%
HK$25,641
baseline
▲ 0.50% · 4.625%
HK$26,993
+HK$1,352/mo
Deposit HK$3.20M · loan HK$4.79M · min. income ≈ HK$51,282/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,512
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,305
−HK$807/mo
Today · 4.125%
HK$27,112
baseline
▲ 0.50% · 4.625%
HK$28,761
+HK$1,649/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$54,224/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,382
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,143
−HK$772/mo
Today · 4.125%
HK$29,915
baseline
▲ 0.50% · 4.625%
HK$31,492
+HK$1,577/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$59,830/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,801
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,821
−HK$1,037/mo
Today · 4.125%
HK$34,858
baseline
▲ 0.50% · 4.625%
HK$36,979
+HK$2,121/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,716/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,491
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,469
−HK$993/mo
Today · 4.125%
HK$38,462
baseline
▲ 0.50% · 4.625%
HK$40,490
+HK$2,028/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$76,924/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,746 · 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).