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$18,231
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,798
−HK$576/mo
Today · 4.125%
HK$19,374
baseline
▲ 0.50% · 4.625%
HK$20,553
+HK$1,179/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,748/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,282
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,826
−HK$551/mo
Today · 4.125%
HK$21,377
baseline
▲ 0.50% · 4.625%
HK$22,504
+HK$1,127/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,754/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,877
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,557
−HK$692/mo
Today · 4.125%
HK$23,249
baseline
▲ 0.50% · 4.625%
HK$24,663
+HK$1,414/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,498/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,338
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,991
−HK$662/mo
Today · 4.125%
HK$25,653
baseline
▲ 0.50% · 4.625%
HK$27,005
+HK$1,352/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,306/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,523
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,317
−HK$807/mo
Today · 4.125%
HK$27,124
baseline
▲ 0.50% · 4.625%
HK$28,774
+HK$1,650/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,248/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,394
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,156
−HK$772/mo
Today · 4.125%
HK$29,928
baseline
▲ 0.50% · 4.625%
HK$31,506
+HK$1,578/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,856/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,815
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,836
−HK$1,037/mo
Today · 4.125%
HK$34,873
baseline
▲ 0.50% · 4.625%
HK$36,995
+HK$2,122/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,746/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,507
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,486
−HK$993/mo
Today · 4.125%
HK$38,479
baseline
▲ 0.50% · 4.625%
HK$40,508
+HK$2,029/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$76,958/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,853 · 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).