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$20,545
+HK$1,178/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$239,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,274
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,818
−HK$551/mo
Today · 4.125%
HK$21,369
baseline
▲ 0.50% · 4.625%
HK$22,496
+HK$1,127/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,738/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,869
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,549
−HK$691/mo
Today · 4.125%
HK$23,240
baseline
▲ 0.50% · 4.625%
HK$24,654
+HK$1,414/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,480/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,329
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,981
−HK$662/mo
Today · 4.125%
HK$25,643
baseline
▲ 0.50% · 4.625%
HK$26,995
+HK$1,352/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,286/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,514
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,307
−HK$806/mo
Today · 4.125%
HK$27,113
baseline
▲ 0.50% · 4.625%
HK$28,763
+HK$1,650/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$54,226/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,384
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,145
−HK$772/mo
Today · 4.125%
HK$29,917
baseline
▲ 0.50% · 4.625%
HK$31,494
+HK$1,577/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$59,834/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,803
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,824
−HK$1,036/mo
Today · 4.125%
HK$34,860
baseline
▲ 0.50% · 4.625%
HK$36,981
+HK$2,121/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,720/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,493
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,472
−HK$993/mo
Today · 4.125%
HK$38,465
baseline
▲ 0.50% · 4.625%
HK$40,492
+HK$2,027/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$239,763 · 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).