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$18,236
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,803
−HK$576/mo
Today · 4.125%
HK$19,379
baseline
▲ 0.50% · 4.625%
HK$20,558
+HK$1,179/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,758/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,287
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,831
−HK$552/mo
Today · 4.125%
HK$21,383
baseline
▲ 0.50% · 4.625%
HK$22,510
+HK$1,127/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,766/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,883
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,564
−HK$691/mo
Today · 4.125%
HK$23,255
baseline
▲ 0.50% · 4.625%
HK$24,670
+HK$1,415/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,510/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,345
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,997
−HK$663/mo
Today · 4.125%
HK$25,660
baseline
▲ 0.50% · 4.625%
HK$27,012
+HK$1,352/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,320/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,530
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,324
−HK$807/mo
Today · 4.125%
HK$27,131
baseline
▲ 0.50% · 4.625%
HK$28,782
+HK$1,651/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,262/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,402
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,164
−HK$772/mo
Today · 4.125%
HK$29,936
baseline
▲ 0.50% · 4.625%
HK$31,514
+HK$1,578/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,872/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,824
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,845
−HK$1,038/mo
Today · 4.125%
HK$34,883
baseline
▲ 0.50% · 4.625%
HK$37,005
+HK$2,122/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,766/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,517
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,496
−HK$994/mo
Today · 4.125%
HK$38,490
baseline
▲ 0.50% · 4.625%
HK$40,518
+HK$2,028/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$76,980/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,918 · 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).