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$18,263
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,832
−HK$577/mo
Today · 4.125%
HK$19,409
baseline
▲ 0.50% · 4.625%
HK$20,590
+HK$1,181/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,818/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,318
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,863
−HK$553/mo
Today · 4.125%
HK$21,416
baseline
▲ 0.50% · 4.625%
HK$22,544
+HK$1,128/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,832/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,916
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,598
−HK$692/mo
Today · 4.125%
HK$23,290
baseline
▲ 0.50% · 4.625%
HK$24,708
+HK$1,418/mo
Deposit HK$3.20M · loan HK$4.81M · min. income ≈ HK$46,580/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,381
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,035
−HK$664/mo
Today · 4.125%
HK$25,699
baseline
▲ 0.50% · 4.625%
HK$27,053
+HK$1,354/mo
Deposit HK$3.20M · loan HK$4.81M · min. income ≈ HK$51,398/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,569
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,364
−HK$808/mo
Today · 4.125%
HK$27,172
baseline
▲ 0.50% · 4.625%
HK$28,826
+HK$1,654/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$54,344/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,445
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,208
−HK$774/mo
Today · 4.125%
HK$29,982
baseline
▲ 0.50% · 4.625%
HK$31,562
+HK$1,580/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$59,964/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,874
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,897
−HK$1,039/mo
Today · 4.125%
HK$34,936
baseline
▲ 0.50% · 4.625%
HK$37,061
+HK$2,125/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$69,872/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,572
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,553
−HK$995/mo
Today · 4.125%
HK$38,548
baseline
▲ 0.50% · 4.625%
HK$40,580
+HK$2,032/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$77,096/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,282 · 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).