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$18,257
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,825
−HK$577/mo
Today · 4.125%
HK$19,402
baseline
▲ 0.50% · 4.625%
HK$20,583
+HK$1,181/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,804/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,311
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,856
−HK$552/mo
Today · 4.125%
HK$21,408
baseline
▲ 0.50% · 4.625%
HK$22,537
+HK$1,129/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,816/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,909
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,590
−HK$693/mo
Today · 4.125%
HK$23,283
baseline
▲ 0.50% · 4.625%
HK$24,699
+HK$1,416/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,566/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,373
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,027
−HK$663/mo
Today · 4.125%
HK$25,690
baseline
▲ 0.50% · 4.625%
HK$27,044
+HK$1,354/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,380/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,560
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,355
−HK$808/mo
Today · 4.125%
HK$27,163
baseline
▲ 0.50% · 4.625%
HK$28,816
+HK$1,653/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,326/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,436
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,198
−HK$774/mo
Today · 4.125%
HK$29,972
baseline
▲ 0.50% · 4.625%
HK$31,552
+HK$1,580/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,944/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,863
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,885
−HK$1,039/mo
Today · 4.125%
HK$34,924
baseline
▲ 0.50% · 4.625%
HK$37,049
+HK$2,125/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$69,848/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,560
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,541
−HK$994/mo
Today · 4.125%
HK$38,535
baseline
▲ 0.50% · 4.625%
HK$40,566
+HK$2,031/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$77,070/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,202 · 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).