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$18,256
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,823
−HK$577/mo
Today · 4.125%
HK$19,400
baseline
▲ 0.50% · 4.625%
HK$20,581
+HK$1,181/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,800/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,309
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,854
−HK$552/mo
Today · 4.125%
HK$21,406
baseline
▲ 0.50% · 4.625%
HK$22,535
+HK$1,129/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,812/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,907
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,588
−HK$692/mo
Today · 4.125%
HK$23,280
baseline
▲ 0.50% · 4.625%
HK$24,697
+HK$1,417/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,560/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,371
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,025
−HK$663/mo
Today · 4.125%
HK$25,688
baseline
▲ 0.50% · 4.625%
HK$27,042
+HK$1,354/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,376/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,558
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,353
−HK$807/mo
Today · 4.125%
HK$27,160
baseline
▲ 0.50% · 4.625%
HK$28,813
+HK$1,653/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,320/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,433
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,195
−HK$774/mo
Today · 4.125%
HK$29,969
baseline
▲ 0.50% · 4.625%
HK$31,549
+HK$1,580/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,938/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,860
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,882
−HK$1,039/mo
Today · 4.125%
HK$34,921
baseline
▲ 0.50% · 4.625%
HK$37,045
+HK$2,124/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$69,842/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,556
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,537
−HK$994/mo
Today · 4.125%
HK$38,531
baseline
▲ 0.50% · 4.625%
HK$40,563
+HK$2,032/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$77,062/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,178 · 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).