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$18,231
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,798
−HK$576/mo
Today · 4.125%
HK$19,374
baseline
▲ 0.50% · 4.625%
HK$20,553
+HK$1,179/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,748/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,282
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,826
−HK$552/mo
Today · 4.125%
HK$21,378
baseline
▲ 0.50% · 4.625%
HK$22,504
+HK$1,126/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,756/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,877
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,558
−HK$691/mo
Today · 4.125%
HK$23,249
baseline
▲ 0.50% · 4.625%
HK$24,664
+HK$1,415/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,498/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,338
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,991
−HK$662/mo
Today · 4.125%
HK$25,653
baseline
▲ 0.50% · 4.625%
HK$27,005
+HK$1,352/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,306/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,523
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,317
−HK$807/mo
Today · 4.125%
HK$27,124
baseline
▲ 0.50% · 4.625%
HK$28,774
+HK$1,650/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,248/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,395
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,156
−HK$773/mo
Today · 4.125%
HK$29,929
baseline
▲ 0.50% · 4.625%
HK$31,506
+HK$1,577/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,858/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,816
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,837
−HK$1,037/mo
Today · 4.125%
HK$34,874
baseline
▲ 0.50% · 4.625%
HK$36,996
+HK$2,122/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,748/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,507
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,486
−HK$994/mo
Today · 4.125%
HK$38,480
baseline
▲ 0.50% · 4.625%
HK$40,508
+HK$2,028/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$76,960/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,855 · 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).