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$18,219
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,786
−HK$576/mo
Today · 4.125%
HK$19,362
baseline
▲ 0.50% · 4.625%
HK$20,540
+HK$1,178/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,724/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,269
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,813
−HK$551/mo
Today · 4.125%
HK$21,364
baseline
▲ 0.50% · 4.625%
HK$22,490
+HK$1,126/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,728/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,863
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,543
−HK$691/mo
Today · 4.125%
HK$23,234
baseline
▲ 0.50% · 4.625%
HK$24,648
+HK$1,414/mo
Deposit HK$3.20M · loan HK$4.79M · min. income ≈ HK$46,468/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,323
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,975
−HK$662/mo
Today · 4.125%
HK$25,637
baseline
▲ 0.50% · 4.625%
HK$26,988
+HK$1,351/mo
Deposit HK$3.20M · loan HK$4.79M · min. income ≈ HK$51,274/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,507
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,301
−HK$806/mo
Today · 4.125%
HK$27,107
baseline
▲ 0.50% · 4.625%
HK$28,756
+HK$1,649/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$54,214/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,377
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,138
−HK$772/mo
Today · 4.125%
HK$29,910
baseline
▲ 0.50% · 4.625%
HK$31,486
+HK$1,576/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$59,820/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,795
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,815
−HK$1,037/mo
Today · 4.125%
HK$34,852
baseline
▲ 0.50% · 4.625%
HK$36,972
+HK$2,120/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,704/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,484
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,463
−HK$992/mo
Today · 4.125%
HK$38,455
baseline
▲ 0.50% · 4.625%
HK$40,482
+HK$2,027/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$76,910/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,704 · 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).