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$18,259
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,827
−HK$577/mo
Today · 4.125%
HK$19,404
baseline
▲ 0.50% · 4.625%
HK$20,584
+HK$1,180/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,808/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,313
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,857
−HK$553/mo
Today · 4.125%
HK$21,410
baseline
▲ 0.50% · 4.625%
HK$22,539
+HK$1,129/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,820/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,910
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,592
−HK$692/mo
Today · 4.125%
HK$23,284
baseline
▲ 0.50% · 4.625%
HK$24,701
+HK$1,417/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,568/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,375
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,029
−HK$663/mo
Today · 4.125%
HK$25,692
baseline
▲ 0.50% · 4.625%
HK$27,046
+HK$1,354/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,384/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,562
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,357
−HK$808/mo
Today · 4.125%
HK$27,165
baseline
▲ 0.50% · 4.625%
HK$28,818
+HK$1,653/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$54,330/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,438
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,200
−HK$774/mo
Today · 4.125%
HK$29,974
baseline
▲ 0.50% · 4.625%
HK$31,554
+HK$1,580/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$59,948/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,866
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,888
−HK$1,039/mo
Today · 4.125%
HK$34,927
baseline
▲ 0.50% · 4.625%
HK$37,052
+HK$2,125/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$69,854/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,563
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,543
−HK$995/mo
Today · 4.125%
HK$38,538
baseline
▲ 0.50% · 4.625%
HK$40,570
+HK$2,032/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$77,076/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,220 · 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).