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$18,260
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,828
−HK$578/mo
Today · 4.125%
HK$19,406
baseline
▲ 0.50% · 4.625%
HK$20,586
+HK$1,180/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,812/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,315
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,859
−HK$553/mo
Today · 4.125%
HK$21,412
baseline
▲ 0.50% · 4.625%
HK$22,541
+HK$1,129/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,824/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,913
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,594
−HK$693/mo
Today · 4.125%
HK$23,287
baseline
▲ 0.50% · 4.625%
HK$24,704
+HK$1,417/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,574/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,378
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,031
−HK$664/mo
Today · 4.125%
HK$25,695
baseline
▲ 0.50% · 4.625%
HK$27,049
+HK$1,354/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,390/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,565
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,360
−HK$808/mo
Today · 4.125%
HK$27,168
baseline
▲ 0.50% · 4.625%
HK$28,821
+HK$1,653/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$54,336/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,440
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,203
−HK$774/mo
Today · 4.125%
HK$29,977
baseline
▲ 0.50% · 4.625%
HK$31,557
+HK$1,580/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$59,954/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,869
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,891
−HK$1,039/mo
Today · 4.125%
HK$34,930
baseline
▲ 0.50% · 4.625%
HK$37,055
+HK$2,125/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$69,860/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,566
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,547
−HK$995/mo
Today · 4.125%
HK$38,542
baseline
▲ 0.50% · 4.625%
HK$40,573
+HK$2,031/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$77,084/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,243 · 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).