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$18,240
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,807
−HK$576/mo
Today · 4.125%
HK$19,383
baseline
▲ 0.50% · 4.625%
HK$20,563
+HK$1,180/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,766/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,291
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,836
−HK$552/mo
Today · 4.125%
HK$21,388
baseline
▲ 0.50% · 4.625%
HK$22,515
+HK$1,127/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,776/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,888
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,568
−HK$692/mo
Today · 4.125%
HK$23,260
baseline
▲ 0.50% · 4.625%
HK$24,676
+HK$1,416/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,520/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,350
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$25,003
−HK$662/mo
Today · 4.125%
HK$25,665
baseline
▲ 0.50% · 4.625%
HK$27,018
+HK$1,353/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,330/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,536
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,330
−HK$807/mo
Today · 4.125%
HK$27,137
baseline
▲ 0.50% · 4.625%
HK$28,788
+HK$1,651/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,274/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,408
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,170
−HK$773/mo
Today · 4.125%
HK$29,943
baseline
▲ 0.50% · 4.625%
HK$31,521
+HK$1,578/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,886/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,831
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$33,853
−HK$1,037/mo
Today · 4.125%
HK$34,890
baseline
▲ 0.50% · 4.625%
HK$37,013
+HK$2,123/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,780/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,525
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,504
−HK$994/mo
Today · 4.125%
HK$38,498
baseline
▲ 0.50% · 4.625%
HK$40,527
+HK$2,029/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$76,996/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,970 · 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).