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$18,256
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,824
−HK$577/mo
Today · 4.125%
HK$19,401
baseline
▲ 0.50% · 4.625%
HK$20,581
+HK$1,180/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,802/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,310
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,854
−HK$553/mo
Today · 4.125%
HK$21,407
baseline
▲ 0.50% · 4.625%
HK$22,535
+HK$1,128/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,814/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,907
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,589
−HK$692/mo
Today · 4.125%
HK$23,281
baseline
▲ 0.50% · 4.625%
HK$24,698
+HK$1,417/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,562/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,372
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,025
−HK$663/mo
Today · 4.125%
HK$25,688
baseline
▲ 0.50% · 4.625%
HK$27,042
+HK$1,354/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,376/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,559
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,354
−HK$807/mo
Today · 4.125%
HK$27,161
baseline
▲ 0.50% · 4.625%
HK$28,814
+HK$1,653/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,322/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,434
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,196
−HK$774/mo
Today · 4.125%
HK$29,970
baseline
▲ 0.50% · 4.625%
HK$31,550
+HK$1,580/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,940/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,861
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,883
−HK$1,039/mo
Today · 4.125%
HK$34,922
baseline
▲ 0.50% · 4.625%
HK$37,046
+HK$2,124/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$69,844/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,557
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,538
−HK$995/mo
Today · 4.125%
HK$38,533
baseline
▲ 0.50% · 4.625%
HK$40,564
+HK$2,031/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$77,066/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,185 · 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).