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$18,246
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,813
−HK$577/mo
Today · 4.125%
HK$19,390
baseline
▲ 0.50% · 4.625%
HK$20,570
+HK$1,180/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,780/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,298
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,842
−HK$553/mo
Today · 4.125%
HK$21,395
baseline
▲ 0.50% · 4.625%
HK$22,522
+HK$1,127/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,790/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,895
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,576
−HK$692/mo
Today · 4.125%
HK$23,268
baseline
▲ 0.50% · 4.625%
HK$24,683
+HK$1,415/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,536/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,358
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,011
−HK$663/mo
Today · 4.125%
HK$25,674
baseline
▲ 0.50% · 4.625%
HK$27,027
+HK$1,353/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,348/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,544
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,338
−HK$808/mo
Today · 4.125%
HK$27,146
baseline
▲ 0.50% · 4.625%
HK$28,797
+HK$1,651/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,292/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,417
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,179
−HK$774/mo
Today · 4.125%
HK$29,953
baseline
▲ 0.50% · 4.625%
HK$31,531
+HK$1,578/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,906/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,842
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,864
−HK$1,038/mo
Today · 4.125%
HK$34,902
baseline
▲ 0.50% · 4.625%
HK$37,025
+HK$2,123/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,804/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,536
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,516
−HK$994/mo
Today · 4.125%
HK$38,510
baseline
▲ 0.50% · 4.625%
HK$40,540
+HK$2,030/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$77,020/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,047 · 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).