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$18,231
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,799
−HK$576/mo
Today · 4.125%
HK$19,375
baseline
▲ 0.50% · 4.625%
HK$20,554
+HK$1,179/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,750/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,282
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,826
−HK$552/mo
Today · 4.125%
HK$21,378
baseline
▲ 0.50% · 4.625%
HK$22,505
+HK$1,127/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,756/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,878
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,558
−HK$692/mo
Today · 4.125%
HK$23,250
baseline
▲ 0.50% · 4.625%
HK$24,664
+HK$1,414/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,500/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,339
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,992
−HK$662/mo
Today · 4.125%
HK$25,654
baseline
▲ 0.50% · 4.625%
HK$27,006
+HK$1,352/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,308/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,524
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,318
−HK$807/mo
Today · 4.125%
HK$27,125
baseline
▲ 0.50% · 4.625%
HK$28,775
+HK$1,650/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,250/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,395
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,157
−HK$772/mo
Today · 4.125%
HK$29,929
baseline
▲ 0.50% · 4.625%
HK$31,507
+HK$1,578/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,858/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,817
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,837
−HK$1,037/mo
Today · 4.125%
HK$34,874
baseline
▲ 0.50% · 4.625%
HK$36,997
+HK$2,123/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,748/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,508
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,487
−HK$994/mo
Today · 4.125%
HK$38,481
baseline
▲ 0.50% · 4.625%
HK$40,509
+HK$2,028/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$76,962/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,861 · 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).