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$18,245
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,813
−HK$576/mo
Today · 4.125%
HK$19,389
baseline
▲ 0.50% · 4.625%
HK$20,569
+HK$1,180/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,778/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,297
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,842
−HK$552/mo
Today · 4.125%
HK$21,394
baseline
▲ 0.50% · 4.625%
HK$22,522
+HK$1,128/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,788/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,894
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,575
−HK$692/mo
Today · 4.125%
HK$23,267
baseline
▲ 0.50% · 4.625%
HK$24,683
+HK$1,416/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,534/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,357
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,010
−HK$663/mo
Today · 4.125%
HK$25,673
baseline
▲ 0.50% · 4.625%
HK$27,026
+HK$1,353/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,346/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,543
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,338
−HK$807/mo
Today · 4.125%
HK$27,145
baseline
▲ 0.50% · 4.625%
HK$28,797
+HK$1,652/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,290/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,416
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,179
−HK$773/mo
Today · 4.125%
HK$29,952
baseline
▲ 0.50% · 4.625%
HK$31,530
+HK$1,578/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,904/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,841
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,863
−HK$1,037/mo
Today · 4.125%
HK$34,900
baseline
▲ 0.50% · 4.625%
HK$37,024
+HK$2,124/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,800/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,535
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,515
−HK$994/mo
Today · 4.125%
HK$38,509
baseline
▲ 0.50% · 4.625%
HK$40,539
+HK$2,030/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$77,018/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,040 · 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).