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$18,244
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,811
−HK$577/mo
Today · 4.125%
HK$19,388
baseline
▲ 0.50% · 4.625%
HK$20,568
+HK$1,180/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,776/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,296
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,840
−HK$553/mo
Today · 4.125%
HK$21,393
baseline
▲ 0.50% · 4.625%
HK$22,520
+HK$1,127/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,786/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,893
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,574
−HK$691/mo
Today · 4.125%
HK$23,265
baseline
▲ 0.50% · 4.625%
HK$24,681
+HK$1,416/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,530/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,355
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,008
−HK$663/mo
Today · 4.125%
HK$25,671
baseline
▲ 0.50% · 4.625%
HK$27,024
+HK$1,353/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,342/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,541
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,336
−HK$807/mo
Today · 4.125%
HK$27,143
baseline
▲ 0.50% · 4.625%
HK$28,795
+HK$1,652/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,286/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,415
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,177
−HK$773/mo
Today · 4.125%
HK$29,950
baseline
▲ 0.50% · 4.625%
HK$31,528
+HK$1,578/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,900/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,839
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,860
−HK$1,038/mo
Today · 4.125%
HK$34,898
baseline
▲ 0.50% · 4.625%
HK$37,022
+HK$2,124/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,796/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,533
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,513
−HK$994/mo
Today · 4.125%
HK$38,507
baseline
▲ 0.50% · 4.625%
HK$40,536
+HK$2,029/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$77,014/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,024 · 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).