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$18,227
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,794
−HK$576/mo
Today · 4.125%
HK$19,370
baseline
▲ 0.50% · 4.625%
HK$20,549
+HK$1,179/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,740/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,278
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,821
−HK$552/mo
Today · 4.125%
HK$21,373
baseline
▲ 0.50% · 4.625%
HK$22,500
+HK$1,127/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,746/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,873
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,553
−HK$691/mo
Today · 4.125%
HK$23,244
baseline
▲ 0.50% · 4.625%
HK$24,659
+HK$1,415/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,488/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,333
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,986
−HK$662/mo
Today · 4.125%
HK$25,648
baseline
▲ 0.50% · 4.625%
HK$27,000
+HK$1,352/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,296/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,518
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,312
−HK$806/mo
Today · 4.125%
HK$27,118
baseline
▲ 0.50% · 4.625%
HK$28,768
+HK$1,650/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,236/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,389
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,150
−HK$772/mo
Today · 4.125%
HK$29,922
baseline
▲ 0.50% · 4.625%
HK$31,500
+HK$1,578/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,844/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,809
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,830
−HK$1,036/mo
Today · 4.125%
HK$34,866
baseline
▲ 0.50% · 4.625%
HK$36,988
+HK$2,122/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,732/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,500
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,479
−HK$993/mo
Today · 4.125%
HK$38,472
baseline
▲ 0.50% · 4.625%
HK$40,500
+HK$2,028/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$76,944/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,806 · 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).