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$18,232
−HK$1,143/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$239,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,283
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,827
−HK$552/mo
Today · 4.125%
HK$21,379
baseline
▲ 0.50% · 4.625%
HK$22,506
+HK$1,127/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,758/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,878
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,559
−HK$691/mo
Today · 4.125%
HK$23,250
baseline
▲ 0.50% · 4.625%
HK$24,665
+HK$1,415/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$239,867 · 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$27,007
+HK$1,353/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$239,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,525
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,319
−HK$806/mo
Today · 4.125%
HK$27,125
baseline
▲ 0.50% · 4.625%
HK$28,776
+HK$1,651/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$239,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,396
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,158
−HK$772/mo
Today · 4.125%
HK$29,930
baseline
▲ 0.50% · 4.625%
HK$31,508
+HK$1,578/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,860/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,817
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,838
−HK$1,037/mo
Today · 4.125%
HK$34,875
baseline
▲ 0.50% · 4.625%
HK$36,997
+HK$2,122/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,750/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,509
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,488
−HK$994/mo
Today · 4.125%
HK$38,482
baseline
▲ 0.50% · 4.625%
HK$40,510
+HK$2,028/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$76,964/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,867 · 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).