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$18,249
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,816
−HK$577/mo
Today · 4.125%
HK$19,393
baseline
▲ 0.50% · 4.625%
HK$20,573
+HK$1,180/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,786/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,301
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,846
−HK$552/mo
Today · 4.125%
HK$21,398
baseline
▲ 0.50% · 4.625%
HK$22,526
+HK$1,128/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,796/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$240,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,898
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,579
−HK$692/mo
Today · 4.125%
HK$23,271
baseline
▲ 0.50% · 4.625%
HK$24,687
+HK$1,416/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,542/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,362
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,015
−HK$663/mo
Today · 4.125%
HK$25,678
baseline
▲ 0.50% · 4.625%
HK$27,031
+HK$1,353/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,356/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,548
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,343
−HK$807/mo
Today · 4.125%
HK$27,150
baseline
▲ 0.50% · 4.625%
HK$28,802
+HK$1,652/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,300/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,422
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,184
−HK$773/mo
Today · 4.125%
HK$29,957
baseline
▲ 0.50% · 4.625%
HK$31,536
+HK$1,579/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,914/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,847
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$33,869
−HK$1,038/mo
Today · 4.125%
HK$34,907
baseline
▲ 0.50% · 4.625%
HK$37,031
+HK$2,124/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$69,814/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,542
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,522
−HK$995/mo
Today · 4.125%
HK$38,517
baseline
▲ 0.50% · 4.625%
HK$40,547
+HK$2,030/mo
Deposit HK$800K · loan HK$7.20M · min. income ≈ HK$77,034/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,085 · 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).