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$1,144/mo
▼ 0.25% · 3.875%
HK$18,819
−HK$577/mo
Today · 4.125%
HK$19,396
baseline
▲ 0.50% · 4.625%
HK$20,576
+HK$1,180/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,792/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,305
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,849
−HK$553/mo
Today · 4.125%
HK$21,402
baseline
▲ 0.50% · 4.625%
HK$22,530
+HK$1,128/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,804/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,902
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,583
−HK$692/mo
Today · 4.125%
HK$23,275
baseline
▲ 0.50% · 4.625%
HK$24,692
+HK$1,417/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,550/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,366
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,019
−HK$663/mo
Today · 4.125%
HK$25,682
baseline
▲ 0.50% · 4.625%
HK$27,036
+HK$1,354/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,364/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,552
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,347
−HK$808/mo
Today · 4.125%
HK$27,155
baseline
▲ 0.50% · 4.625%
HK$28,807
+HK$1,652/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,310/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,427
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,189
−HK$773/mo
Today · 4.125%
HK$29,962
baseline
▲ 0.50% · 4.625%
HK$31,542
+HK$1,580/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,924/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,853
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,875
−HK$1,038/mo
Today · 4.125%
HK$34,913
baseline
▲ 0.50% · 4.625%
HK$37,037
+HK$2,124/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,826/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,549
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$37,529
−HK$994/mo
Today · 4.125%
HK$38,523
baseline
▲ 0.50% · 4.625%
HK$40,554
+HK$2,031/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$77,046/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,126 · 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).