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$18,253
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,821
−HK$576/mo
Today · 4.125%
HK$19,397
baseline
▲ 0.50% · 4.625%
HK$20,578
+HK$1,181/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,794/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,306
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,851
−HK$552/mo
Today · 4.125%
HK$21,403
baseline
▲ 0.50% · 4.625%
HK$22,531
+HK$1,128/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,806/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,903
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,585
−HK$692/mo
Today · 4.125%
HK$23,277
baseline
▲ 0.50% · 4.625%
HK$24,693
+HK$1,416/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,554/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,367
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,021
−HK$663/mo
Today · 4.125%
HK$25,684
baseline
▲ 0.50% · 4.625%
HK$27,038
+HK$1,354/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,368/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,554
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,349
−HK$807/mo
Today · 4.125%
HK$27,156
baseline
▲ 0.50% · 4.625%
HK$28,809
+HK$1,653/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,312/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,428
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,191
−HK$773/mo
Today · 4.125%
HK$29,964
baseline
▲ 0.50% · 4.625%
HK$31,544
+HK$1,580/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,928/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,855
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,877
−HK$1,038/mo
Today · 4.125%
HK$34,915
baseline
▲ 0.50% · 4.625%
HK$37,040
+HK$2,125/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,830/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,551
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,531
−HK$995/mo
Today · 4.125%
HK$38,526
baseline
▲ 0.50% · 4.625%
HK$40,556
+HK$2,030/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$77,052/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,142 · 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).