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$18,251
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,818
−HK$577/mo
Today · 4.125%
HK$19,395
baseline
▲ 0.50% · 4.625%
HK$20,575
+HK$1,180/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,790/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,304
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,848
−HK$553/mo
Today · 4.125%
HK$21,401
baseline
▲ 0.50% · 4.625%
HK$22,529
+HK$1,128/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,802/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,901
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,582
−HK$692/mo
Today · 4.125%
HK$23,274
baseline
▲ 0.50% · 4.625%
HK$24,690
+HK$1,416/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,548/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,364
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,018
−HK$663/mo
Today · 4.125%
HK$25,681
baseline
▲ 0.50% · 4.625%
HK$27,034
+HK$1,353/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,362/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,551
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,346
−HK$807/mo
Today · 4.125%
HK$27,153
baseline
▲ 0.50% · 4.625%
HK$28,805
+HK$1,652/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,306/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,425
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$29,187
−HK$774/mo
Today · 4.125%
HK$29,961
baseline
▲ 0.50% · 4.625%
HK$31,540
+HK$1,579/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,922/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,851
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,873
−HK$1,038/mo
Today · 4.125%
HK$34,911
baseline
▲ 0.50% · 4.625%
HK$37,035
+HK$2,124/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,822/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,546
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,527
−HK$994/mo
Today · 4.125%
HK$38,521
baseline
▲ 0.50% · 4.625%
HK$40,551
+HK$2,030/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$77,042/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,113 · 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).