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$18,241
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,808
−HK$577/mo
Today · 4.125%
HK$19,385
baseline
▲ 0.50% · 4.625%
HK$20,564
+HK$1,179/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,770/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,293
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,837
−HK$552/mo
Today · 4.125%
HK$21,389
baseline
▲ 0.50% · 4.625%
HK$22,517
+HK$1,128/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,778/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,889
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,570
−HK$692/mo
Today · 4.125%
HK$23,262
baseline
▲ 0.50% · 4.625%
HK$24,677
+HK$1,415/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,524/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,352
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$25,005
−HK$662/mo
Today · 4.125%
HK$25,667
baseline
▲ 0.50% · 4.625%
HK$27,020
+HK$1,353/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,334/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,537
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,332
−HK$807/mo
Today · 4.125%
HK$27,139
baseline
▲ 0.50% · 4.625%
HK$28,790
+HK$1,651/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,278/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,410
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,172
−HK$773/mo
Today · 4.125%
HK$29,945
baseline
▲ 0.50% · 4.625%
HK$31,523
+HK$1,578/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,890/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,834
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,855
−HK$1,038/mo
Today · 4.125%
HK$34,893
baseline
▲ 0.50% · 4.625%
HK$37,016
+HK$2,123/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,786/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,527
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,507
−HK$994/mo
Today · 4.125%
HK$38,501
baseline
▲ 0.50% · 4.625%
HK$40,530
+HK$2,029/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$77,002/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,987 · 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).