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$18,222
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,789
−HK$576/mo
Today · 4.125%
HK$19,365
baseline
▲ 0.50% · 4.625%
HK$20,544
+HK$1,179/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,730/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,272
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,816
−HK$552/mo
Today · 4.125%
HK$21,368
baseline
▲ 0.50% · 4.625%
HK$22,494
+HK$1,126/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,736/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,867
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,547
−HK$691/mo
Today · 4.125%
HK$23,238
baseline
▲ 0.50% · 4.625%
HK$24,652
+HK$1,414/mo
Deposit HK$3.20M · loan HK$4.79M · min. income ≈ HK$46,476/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,327
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,979
−HK$662/mo
Today · 4.125%
HK$25,641
baseline
▲ 0.50% · 4.625%
HK$26,993
+HK$1,352/mo
Deposit HK$3.20M · loan HK$4.79M · min. income ≈ HK$51,282/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,511
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,305
−HK$806/mo
Today · 4.125%
HK$27,111
baseline
▲ 0.50% · 4.625%
HK$28,761
+HK$1,650/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$54,222/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,381
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,142
−HK$773/mo
Today · 4.125%
HK$29,915
baseline
▲ 0.50% · 4.625%
HK$31,491
+HK$1,576/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$59,830/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,800
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,821
−HK$1,036/mo
Today · 4.125%
HK$34,857
baseline
▲ 0.50% · 4.625%
HK$36,978
+HK$2,121/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,714/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,490
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,469
−HK$993/mo
Today · 4.125%
HK$38,462
baseline
▲ 0.50% · 4.625%
HK$40,489
+HK$2,027/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$76,924/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,743 · 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).