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$18,229
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,796
−HK$577/mo
Today · 4.125%
HK$19,373
baseline
▲ 0.50% · 4.625%
HK$20,551
+HK$1,178/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$239,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,280
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,824
−HK$552/mo
Today · 4.125%
HK$21,376
baseline
▲ 0.50% · 4.625%
HK$22,502
+HK$1,126/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$239,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,875
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,556
−HK$691/mo
Today · 4.125%
HK$23,247
baseline
▲ 0.50% · 4.625%
HK$24,662
+HK$1,415/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,494/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,336
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,989
−HK$662/mo
Today · 4.125%
HK$25,651
baseline
▲ 0.50% · 4.625%
HK$27,003
+HK$1,352/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$239,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,521
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,315
−HK$807/mo
Today · 4.125%
HK$27,122
baseline
▲ 0.50% · 4.625%
HK$28,772
+HK$1,650/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$239,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,392
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,153
−HK$773/mo
Today · 4.125%
HK$29,926
baseline
▲ 0.50% · 4.625%
HK$31,503
+HK$1,577/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,852/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,813
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,834
−HK$1,037/mo
Today · 4.125%
HK$34,871
baseline
▲ 0.50% · 4.625%
HK$36,992
+HK$2,121/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,742/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,504
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,483
−HK$993/mo
Today · 4.125%
HK$38,476
baseline
▲ 0.50% · 4.625%
HK$40,504
+HK$2,028/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$76,952/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,834 · 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).