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$1,145/mo
▼ 0.25% · 3.875%
HK$18,822
−HK$577/mo
Today · 4.125%
HK$19,399
baseline
▲ 0.50% · 4.625%
HK$20,580
+HK$1,181/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,798/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,308
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,853
−HK$552/mo
Today · 4.125%
HK$21,405
baseline
▲ 0.50% · 4.625%
HK$22,533
+HK$1,128/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,810/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,905
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,587
−HK$692/mo
Today · 4.125%
HK$23,279
baseline
▲ 0.50% · 4.625%
HK$24,695
+HK$1,416/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,558/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,369
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,023
−HK$663/mo
Today · 4.125%
HK$25,686
baseline
▲ 0.50% · 4.625%
HK$27,040
+HK$1,354/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,372/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,556
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,351
−HK$808/mo
Today · 4.125%
HK$27,159
baseline
▲ 0.50% · 4.625%
HK$28,811
+HK$1,652/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,318/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,431
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,194
−HK$773/mo
Today · 4.125%
HK$29,967
baseline
▲ 0.50% · 4.625%
HK$31,547
+HK$1,580/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,934/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,858
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,880
−HK$1,039/mo
Today · 4.125%
HK$34,919
baseline
▲ 0.50% · 4.625%
HK$37,043
+HK$2,124/mo
Deposit HK$801K · loan HK$7.20M · min. income ≈ HK$69,838/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,554
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,535
−HK$994/mo
Today · 4.125%
HK$38,529
baseline
▲ 0.50% · 4.625%
HK$40,560
+HK$2,031/mo
Deposit HK$801K · loan HK$7.20M · min. income ≈ HK$77,058/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,164 · 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).