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$18,261
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,829
−HK$578/mo
Today · 4.125%
HK$19,407
baseline
▲ 0.50% · 4.625%
HK$20,587
+HK$1,180/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,814/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,316
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,860
−HK$553/mo
Today · 4.125%
HK$21,413
baseline
▲ 0.50% · 4.625%
HK$22,542
+HK$1,129/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,826/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,914
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,595
−HK$693/mo
Today · 4.125%
HK$23,288
baseline
▲ 0.50% · 4.625%
HK$24,705
+HK$1,417/mo
Deposit HK$3.20M · loan HK$4.81M · min. income ≈ HK$46,576/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,379
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,033
−HK$663/mo
Today · 4.125%
HK$25,696
baseline
▲ 0.50% · 4.625%
HK$27,050
+HK$1,354/mo
Deposit HK$3.20M · loan HK$4.81M · min. income ≈ HK$51,392/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,566
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,361
−HK$808/mo
Today · 4.125%
HK$27,169
baseline
▲ 0.50% · 4.625%
HK$28,822
+HK$1,653/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$54,338/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,442
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,205
−HK$774/mo
Today · 4.125%
HK$29,979
baseline
▲ 0.50% · 4.625%
HK$31,559
+HK$1,580/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$59,958/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,871
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,893
−HK$1,039/mo
Today · 4.125%
HK$34,932
baseline
▲ 0.50% · 4.625%
HK$37,057
+HK$2,125/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$69,864/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,568
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,549
−HK$995/mo
Today · 4.125%
HK$38,544
baseline
▲ 0.50% · 4.625%
HK$40,576
+HK$2,032/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$77,088/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,255 · 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).