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$18,230
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,797
−HK$576/mo
Today · 4.125%
HK$19,373
baseline
▲ 0.50% · 4.625%
HK$20,552
+HK$1,179/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,746/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,281
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,824
−HK$552/mo
Today · 4.125%
HK$21,376
baseline
▲ 0.50% · 4.625%
HK$22,503
+HK$1,127/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,752/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,876
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,556
−HK$692/mo
Today · 4.125%
HK$23,248
baseline
▲ 0.50% · 4.625%
HK$24,662
+HK$1,414/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,496/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,337
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,989
−HK$662/mo
Today · 4.125%
HK$25,651
baseline
▲ 0.50% · 4.625%
HK$27,004
+HK$1,353/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,302/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,522
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,316
−HK$806/mo
Today · 4.125%
HK$27,122
baseline
▲ 0.50% · 4.625%
HK$28,773
+HK$1,651/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,244/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,393
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,154
−HK$773/mo
Today · 4.125%
HK$29,927
baseline
▲ 0.50% · 4.625%
HK$31,504
+HK$1,577/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,854/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,814
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,834
−HK$1,037/mo
Today · 4.125%
HK$34,871
baseline
▲ 0.50% · 4.625%
HK$36,993
+HK$2,122/mo
Deposit HK$799K · loan HK$7.20M · min. income ≈ HK$69,742/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,505
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,484
−HK$993/mo
Today · 4.125%
HK$38,477
baseline
▲ 0.50% · 4.625%
HK$40,505
+HK$2,028/mo
Deposit HK$799K · loan HK$7.20M · min. income ≈ HK$76,954/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,840 · 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).