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$18,237
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,804
−HK$577/mo
Today · 4.125%
HK$19,381
baseline
▲ 0.50% · 4.625%
HK$20,560
+HK$1,179/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,762/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,288
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,833
−HK$551/mo
Today · 4.125%
HK$21,384
baseline
▲ 0.50% · 4.625%
HK$22,512
+HK$1,128/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,768/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,884
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,565
−HK$692/mo
Today · 4.125%
HK$23,257
baseline
▲ 0.50% · 4.625%
HK$24,672
+HK$1,415/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,514/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,346
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,999
−HK$662/mo
Today · 4.125%
HK$25,661
baseline
▲ 0.50% · 4.625%
HK$27,014
+HK$1,353/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,322/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,532
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,326
−HK$807/mo
Today · 4.125%
HK$27,133
baseline
▲ 0.50% · 4.625%
HK$28,784
+HK$1,651/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,266/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,404
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,166
−HK$772/mo
Today · 4.125%
HK$29,938
baseline
▲ 0.50% · 4.625%
HK$31,516
+HK$1,578/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,876/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,826
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,848
−HK$1,037/mo
Today · 4.125%
HK$34,885
baseline
▲ 0.50% · 4.625%
HK$37,008
+HK$2,123/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,770/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,519
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,499
−HK$993/mo
Today · 4.125%
HK$38,492
baseline
▲ 0.50% · 4.625%
HK$40,521
+HK$2,029/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$76,984/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,933 · 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).