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$18,238
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,805
−HK$576/mo
Today · 4.125%
HK$19,381
baseline
▲ 0.50% · 4.625%
HK$20,561
+HK$1,180/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,762/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,289
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,833
−HK$552/mo
Today · 4.125%
HK$21,385
baseline
▲ 0.50% · 4.625%
HK$22,513
+HK$1,128/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,770/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,885
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,566
−HK$692/mo
Today · 4.125%
HK$23,258
baseline
▲ 0.50% · 4.625%
HK$24,673
+HK$1,415/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,516/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,347
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$25,000
−HK$662/mo
Today · 4.125%
HK$25,662
baseline
▲ 0.50% · 4.625%
HK$27,015
+HK$1,353/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,324/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,533
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,327
−HK$807/mo
Today · 4.125%
HK$27,134
baseline
▲ 0.50% · 4.625%
HK$28,785
+HK$1,651/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,268/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,405
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,167
−HK$772/mo
Today · 4.125%
HK$29,939
baseline
▲ 0.50% · 4.625%
HK$31,518
+HK$1,579/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,878/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,828
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,849
−HK$1,037/mo
Today · 4.125%
HK$34,886
baseline
▲ 0.50% · 4.625%
HK$37,009
+HK$2,123/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,772/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,521
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,500
−HK$994/mo
Today · 4.125%
HK$38,494
baseline
▲ 0.50% · 4.625%
HK$40,523
+HK$2,029/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$76,988/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,942 · 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).