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$18,252
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,820
−HK$577/mo
Today · 4.125%
HK$19,397
baseline
▲ 0.50% · 4.625%
HK$20,577
+HK$1,180/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$240,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,306
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,850
−HK$553/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$240,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,903
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,584
−HK$692/mo
Today · 4.125%
HK$23,276
baseline
▲ 0.50% · 4.625%
HK$24,693
+HK$1,417/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,552/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,367
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,020
−HK$663/mo
Today · 4.125%
HK$25,683
baseline
▲ 0.50% · 4.625%
HK$27,037
+HK$1,354/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,366/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,553
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,348
−HK$808/mo
Today · 4.125%
HK$27,156
baseline
▲ 0.50% · 4.625%
HK$28,808
+HK$1,652/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$240,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,428
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,190
−HK$774/mo
Today · 4.125%
HK$29,964
baseline
▲ 0.50% · 4.625%
HK$31,543
+HK$1,579/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$240,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,854
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,876
−HK$1,038/mo
Today · 4.125%
HK$34,914
baseline
▲ 0.50% · 4.625%
HK$37,039
+HK$2,125/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,828/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,550
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,530
−HK$995/mo
Today · 4.125%
HK$38,525
baseline
▲ 0.50% · 4.625%
HK$40,555
+HK$2,030/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$77,050/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,136 · 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).