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$18,242
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,809
−HK$577/mo
Today · 4.125%
HK$19,386
baseline
▲ 0.50% · 4.625%
HK$20,565
+HK$1,179/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,772/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,294
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,838
−HK$552/mo
Today · 4.125%
HK$21,390
baseline
▲ 0.50% · 4.625%
HK$22,518
+HK$1,128/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,780/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,890
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,571
−HK$692/mo
Today · 4.125%
HK$23,263
baseline
▲ 0.50% · 4.625%
HK$24,678
+HK$1,415/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,526/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,352
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,005
−HK$663/mo
Today · 4.125%
HK$25,668
baseline
▲ 0.50% · 4.625%
HK$27,021
+HK$1,353/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,336/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,538
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,333
−HK$807/mo
Today · 4.125%
HK$27,140
baseline
▲ 0.50% · 4.625%
HK$28,791
+HK$1,651/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,280/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,411
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,173
−HK$773/mo
Today · 4.125%
HK$29,946
baseline
▲ 0.50% · 4.625%
HK$31,525
+HK$1,579/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,892/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,835
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,856
−HK$1,038/mo
Today · 4.125%
HK$34,894
baseline
▲ 0.50% · 4.625%
HK$37,017
+HK$2,123/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,788/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,529
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,508
−HK$994/mo
Today · 4.125%
HK$38,502
baseline
▲ 0.50% · 4.625%
HK$40,532
+HK$2,030/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$77,004/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,995 · 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).