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$18,220
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,787
−HK$576/mo
Today · 4.125%
HK$19,363
baseline
▲ 0.50% · 4.625%
HK$20,541
+HK$1,178/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,726/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,270
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,813
−HK$552/mo
Today · 4.125%
HK$21,365
baseline
▲ 0.50% · 4.625%
HK$22,491
+HK$1,126/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,730/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,864
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,544
−HK$691/mo
Today · 4.125%
HK$23,235
baseline
▲ 0.50% · 4.625%
HK$24,649
+HK$1,414/mo
Deposit HK$3.20M · loan HK$4.79M · min. income ≈ HK$46,470/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,323
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,976
−HK$662/mo
Today · 4.125%
HK$25,638
baseline
▲ 0.50% · 4.625%
HK$26,989
+HK$1,351/mo
Deposit HK$3.20M · loan HK$4.79M · min. income ≈ HK$51,276/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,508
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,301
−HK$807/mo
Today · 4.125%
HK$27,108
baseline
▲ 0.50% · 4.625%
HK$28,757
+HK$1,649/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$54,216/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,377
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,138
−HK$772/mo
Today · 4.125%
HK$29,910
baseline
▲ 0.50% · 4.625%
HK$31,487
+HK$1,577/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$59,820/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,796
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,816
−HK$1,037/mo
Today · 4.125%
HK$34,853
baseline
▲ 0.50% · 4.625%
HK$36,973
+HK$2,120/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,706/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,485
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,464
−HK$992/mo
Today · 4.125%
HK$38,456
baseline
▲ 0.50% · 4.625%
HK$40,483
+HK$2,027/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$76,912/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,710 · 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).