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$18,249
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,817
−HK$576/mo
Today · 4.125%
HK$19,393
baseline
▲ 0.50% · 4.625%
HK$20,573
+HK$1,180/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,786/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,302
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,846
−HK$553/mo
Today · 4.125%
HK$21,399
baseline
▲ 0.50% · 4.625%
HK$22,526
+HK$1,127/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,798/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,899
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,580
−HK$692/mo
Today · 4.125%
HK$23,272
baseline
▲ 0.50% · 4.625%
HK$24,688
+HK$1,416/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,544/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,362
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,015
−HK$663/mo
Today · 4.125%
HK$25,678
baseline
▲ 0.50% · 4.625%
HK$27,032
+HK$1,354/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,356/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,548
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,343
−HK$808/mo
Today · 4.125%
HK$27,151
baseline
▲ 0.50% · 4.625%
HK$28,803
+HK$1,652/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,302/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,422
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,185
−HK$773/mo
Today · 4.125%
HK$29,958
baseline
▲ 0.50% · 4.625%
HK$31,537
+HK$1,579/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,916/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,848
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,870
−HK$1,038/mo
Today · 4.125%
HK$34,908
baseline
▲ 0.50% · 4.625%
HK$37,032
+HK$2,124/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,816/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,543
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,523
−HK$994/mo
Today · 4.125%
HK$38,517
baseline
▲ 0.50% · 4.625%
HK$40,548
+HK$2,031/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$77,034/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,091 · 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).