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$18,245
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,812
−HK$577/mo
Today · 4.125%
HK$19,389
baseline
▲ 0.50% · 4.625%
HK$20,569
+HK$1,180/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,778/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,297
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,841
−HK$553/mo
Today · 4.125%
HK$21,394
baseline
▲ 0.50% · 4.625%
HK$22,521
+HK$1,127/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,788/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,894
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,575
−HK$691/mo
Today · 4.125%
HK$23,266
baseline
▲ 0.50% · 4.625%
HK$24,682
+HK$1,416/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,532/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,356
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,010
−HK$662/mo
Today · 4.125%
HK$25,672
baseline
▲ 0.50% · 4.625%
HK$27,026
+HK$1,354/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,344/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,543
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,337
−HK$807/mo
Today · 4.125%
HK$27,144
baseline
▲ 0.50% · 4.625%
HK$28,796
+HK$1,652/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,288/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,416
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,178
−HK$773/mo
Today · 4.125%
HK$29,951
baseline
▲ 0.50% · 4.625%
HK$31,530
+HK$1,579/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,902/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,840
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,862
−HK$1,038/mo
Today · 4.125%
HK$34,900
baseline
▲ 0.50% · 4.625%
HK$37,023
+HK$2,123/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,800/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,535
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,514
−HK$994/mo
Today · 4.125%
HK$38,508
baseline
▲ 0.50% · 4.625%
HK$40,538
+HK$2,030/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$77,016/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,035 · 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).