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$18,247
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,815
−HK$576/mo
Today · 4.125%
HK$19,391
baseline
▲ 0.50% · 4.625%
HK$20,571
+HK$1,180/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,782/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,300
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,844
−HK$552/mo
Today · 4.125%
HK$21,396
baseline
▲ 0.50% · 4.625%
HK$22,524
+HK$1,128/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,792/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,896
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,578
−HK$692/mo
Today · 4.125%
HK$23,270
baseline
▲ 0.50% · 4.625%
HK$24,685
+HK$1,415/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,540/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,360
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,013
−HK$663/mo
Today · 4.125%
HK$25,676
baseline
▲ 0.50% · 4.625%
HK$27,029
+HK$1,353/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,352/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,546
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,340
−HK$808/mo
Today · 4.125%
HK$27,148
baseline
▲ 0.50% · 4.625%
HK$28,800
+HK$1,652/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,296/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,420
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,182
−HK$773/mo
Today · 4.125%
HK$29,955
baseline
▲ 0.50% · 4.625%
HK$31,534
+HK$1,579/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,910/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,845
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,866
−HK$1,038/mo
Today · 4.125%
HK$34,904
baseline
▲ 0.50% · 4.625%
HK$37,028
+HK$2,124/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,808/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,539
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,519
−HK$995/mo
Today · 4.125%
HK$38,514
baseline
▲ 0.50% · 4.625%
HK$40,544
+HK$2,030/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$77,028/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,066 · 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).