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$18,225
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,792
−HK$576/mo
Today · 4.125%
HK$19,368
baseline
▲ 0.50% · 4.625%
HK$20,546
+HK$1,178/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,736/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,275
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,819
−HK$552/mo
Today · 4.125%
HK$21,371
baseline
▲ 0.50% · 4.625%
HK$22,497
+HK$1,126/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,742/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,870
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,550
−HK$691/mo
Today · 4.125%
HK$23,241
baseline
▲ 0.50% · 4.625%
HK$24,656
+HK$1,415/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,482/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,330
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,983
−HK$662/mo
Today · 4.125%
HK$25,645
baseline
▲ 0.50% · 4.625%
HK$26,996
+HK$1,351/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,290/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,515
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,309
−HK$806/mo
Today · 4.125%
HK$27,115
baseline
▲ 0.50% · 4.625%
HK$28,765
+HK$1,650/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$54,230/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,385
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,146
−HK$773/mo
Today · 4.125%
HK$29,919
baseline
▲ 0.50% · 4.625%
HK$31,496
+HK$1,577/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$59,838/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,805
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,825
−HK$1,037/mo
Today · 4.125%
HK$34,862
baseline
▲ 0.50% · 4.625%
HK$36,983
+HK$2,121/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,724/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,495
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,474
−HK$993/mo
Today · 4.125%
HK$38,467
baseline
▲ 0.50% · 4.625%
HK$40,495
+HK$2,028/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$76,934/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,776 · 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).