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$18,259
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,827
−HK$577/mo
Today · 4.125%
HK$19,404
baseline
▲ 0.50% · 4.625%
HK$20,585
+HK$1,181/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,808/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,313
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,858
−HK$552/mo
Today · 4.125%
HK$21,410
baseline
▲ 0.50% · 4.625%
HK$22,539
+HK$1,129/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,820/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,911
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,592
−HK$693/mo
Today · 4.125%
HK$23,285
baseline
▲ 0.50% · 4.625%
HK$24,702
+HK$1,417/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,570/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,376
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,029
−HK$664/mo
Today · 4.125%
HK$25,693
baseline
▲ 0.50% · 4.625%
HK$27,047
+HK$1,354/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,386/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,563
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,358
−HK$808/mo
Today · 4.125%
HK$27,166
baseline
▲ 0.50% · 4.625%
HK$28,819
+HK$1,653/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$54,332/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,438
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,201
−HK$774/mo
Today · 4.125%
HK$29,975
baseline
▲ 0.50% · 4.625%
HK$31,555
+HK$1,580/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$59,950/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,866
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,889
−HK$1,038/mo
Today · 4.125%
HK$34,927
baseline
▲ 0.50% · 4.625%
HK$37,052
+HK$2,125/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$69,854/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,563
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,544
−HK$995/mo
Today · 4.125%
HK$38,539
baseline
▲ 0.50% · 4.625%
HK$40,570
+HK$2,031/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$77,078/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,224 · 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).