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$18,224
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,791
−HK$576/mo
Today · 4.125%
HK$19,367
baseline
▲ 0.50% · 4.625%
HK$20,546
+HK$1,179/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,734/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,274
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,818
−HK$552/mo
Today · 4.125%
HK$21,370
baseline
▲ 0.50% · 4.625%
HK$22,496
+HK$1,126/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,740/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,869
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,549
−HK$692/mo
Today · 4.125%
HK$23,241
baseline
▲ 0.50% · 4.625%
HK$24,655
+HK$1,414/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,482/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,329
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,982
−HK$662/mo
Today · 4.125%
HK$25,644
baseline
▲ 0.50% · 4.625%
HK$26,995
+HK$1,351/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,288/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,514
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,308
−HK$806/mo
Today · 4.125%
HK$27,114
baseline
▲ 0.50% · 4.625%
HK$28,764
+HK$1,650/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$54,228/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,384
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,145
−HK$773/mo
Today · 4.125%
HK$29,918
baseline
▲ 0.50% · 4.625%
HK$31,495
+HK$1,577/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$59,836/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,804
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,824
−HK$1,037/mo
Today · 4.125%
HK$34,861
baseline
▲ 0.50% · 4.625%
HK$36,982
+HK$2,121/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,722/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,494
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,473
−HK$992/mo
Today · 4.125%
HK$38,465
baseline
▲ 0.50% · 4.625%
HK$40,493
+HK$2,028/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$76,930/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,767 · 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).