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$18,228
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,795
−HK$576/mo
Today · 4.125%
HK$19,371
baseline
▲ 0.50% · 4.625%
HK$20,550
+HK$1,179/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,742/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,278
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,822
−HK$552/mo
Today · 4.125%
HK$21,374
baseline
▲ 0.50% · 4.625%
HK$22,501
+HK$1,127/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,748/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,874
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,554
−HK$691/mo
Today · 4.125%
HK$23,245
baseline
▲ 0.50% · 4.625%
HK$24,660
+HK$1,415/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,490/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,334
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,987
−HK$662/mo
Today · 4.125%
HK$25,649
baseline
▲ 0.50% · 4.625%
HK$27,001
+HK$1,352/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,298/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,519
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,313
−HK$807/mo
Today · 4.125%
HK$27,120
baseline
▲ 0.50% · 4.625%
HK$28,770
+HK$1,650/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,240/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,390
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,151
−HK$773/mo
Today · 4.125%
HK$29,924
baseline
▲ 0.50% · 4.625%
HK$31,501
+HK$1,577/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,848/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,810
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,831
−HK$1,037/mo
Today · 4.125%
HK$34,868
baseline
▲ 0.50% · 4.625%
HK$36,990
+HK$2,122/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,736/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,501
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,480
−HK$993/mo
Today · 4.125%
HK$38,473
baseline
▲ 0.50% · 4.625%
HK$40,501
+HK$2,028/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$76,946/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,816 · 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).