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$18,254
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,822
−HK$576/mo
Today · 4.125%
HK$19,398
baseline
▲ 0.50% · 4.625%
HK$20,579
+HK$1,181/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,796/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,307
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,852
−HK$552/mo
Today · 4.125%
HK$21,404
baseline
▲ 0.50% · 4.625%
HK$22,533
+HK$1,129/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,808/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,905
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,586
−HK$692/mo
Today · 4.125%
HK$23,278
baseline
▲ 0.50% · 4.625%
HK$24,695
+HK$1,417/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,556/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,369
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,022
−HK$663/mo
Today · 4.125%
HK$25,685
baseline
▲ 0.50% · 4.625%
HK$27,039
+HK$1,354/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,370/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,555
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,350
−HK$808/mo
Today · 4.125%
HK$27,158
baseline
▲ 0.50% · 4.625%
HK$28,810
+HK$1,652/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,316/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,430
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,192
−HK$774/mo
Today · 4.125%
HK$29,966
baseline
▲ 0.50% · 4.625%
HK$31,546
+HK$1,580/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,932/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,857
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,879
−HK$1,038/mo
Today · 4.125%
HK$34,917
baseline
▲ 0.50% · 4.625%
HK$37,042
+HK$2,125/mo
Deposit HK$801K · loan HK$7.20M · min. income ≈ HK$69,834/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,553
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,533
−HK$995/mo
Today · 4.125%
HK$38,528
baseline
▲ 0.50% · 4.625%
HK$40,559
+HK$2,031/mo
Deposit HK$801K · loan HK$7.20M · min. income ≈ HK$77,056/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,155 · 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).