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$18,235
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,802
−HK$577/mo
Today · 4.125%
HK$19,379
baseline
▲ 0.50% · 4.625%
HK$20,558
+HK$1,179/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,758/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,286
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,830
−HK$552/mo
Today · 4.125%
HK$21,382
baseline
▲ 0.50% · 4.625%
HK$22,510
+HK$1,128/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,764/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,882
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,563
−HK$691/mo
Today · 4.125%
HK$23,254
baseline
▲ 0.50% · 4.625%
HK$24,669
+HK$1,415/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,508/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,344
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,997
−HK$662/mo
Today · 4.125%
HK$25,659
baseline
▲ 0.50% · 4.625%
HK$27,011
+HK$1,352/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,318/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,529
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,323
−HK$807/mo
Today · 4.125%
HK$27,130
baseline
▲ 0.50% · 4.625%
HK$28,781
+HK$1,651/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,260/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,401
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,163
−HK$772/mo
Today · 4.125%
HK$29,935
baseline
▲ 0.50% · 4.625%
HK$31,513
+HK$1,578/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,870/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,823
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,844
−HK$1,038/mo
Today · 4.125%
HK$34,882
baseline
▲ 0.50% · 4.625%
HK$37,004
+HK$2,122/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,764/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,516
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,495
−HK$993/mo
Today · 4.125%
HK$38,488
baseline
▲ 0.50% · 4.625%
HK$40,517
+HK$2,029/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$76,976/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,909 · 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).