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$18,222
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,789
−HK$575/mo
Today · 4.125%
HK$19,364
baseline
▲ 0.50% · 4.625%
HK$20,543
+HK$1,179/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,728/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,272
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,815
−HK$552/mo
Today · 4.125%
HK$21,367
baseline
▲ 0.50% · 4.625%
HK$22,493
+HK$1,126/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,734/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,866
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,546
−HK$691/mo
Today · 4.125%
HK$23,237
baseline
▲ 0.50% · 4.625%
HK$24,651
+HK$1,414/mo
Deposit HK$3.20M · loan HK$4.79M · min. income ≈ HK$46,474/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,326
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,978
−HK$662/mo
Today · 4.125%
HK$25,640
baseline
▲ 0.50% · 4.625%
HK$26,992
+HK$1,352/mo
Deposit HK$3.20M · loan HK$4.79M · min. income ≈ HK$51,280/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,511
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,304
−HK$806/mo
Today · 4.125%
HK$27,110
baseline
▲ 0.50% · 4.625%
HK$28,760
+HK$1,650/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$54,220/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,380
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,141
−HK$772/mo
Today · 4.125%
HK$29,913
baseline
▲ 0.50% · 4.625%
HK$31,490
+HK$1,577/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$59,826/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,799
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,819
−HK$1,037/mo
Today · 4.125%
HK$34,856
baseline
▲ 0.50% · 4.625%
HK$36,977
+HK$2,121/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,712/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,489
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,467
−HK$993/mo
Today · 4.125%
HK$38,460
baseline
▲ 0.50% · 4.625%
HK$40,487
+HK$2,027/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$76,920/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,734 · 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).