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$18,227
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,794
−HK$576/mo
Today · 4.125%
HK$19,370
baseline
▲ 0.50% · 4.625%
HK$20,548
+HK$1,178/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$38,740/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,277
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,821
−HK$551/mo
Today · 4.125%
HK$21,372
baseline
▲ 0.50% · 4.625%
HK$22,499
+HK$1,127/mo
Deposit HK$4.00M · loan HK$4.00M · min. income ≈ HK$42,744/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$239,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,872
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,552
−HK$691/mo
Today · 4.125%
HK$23,243
baseline
▲ 0.50% · 4.625%
HK$24,658
+HK$1,415/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$46,486/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,332
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,985
−HK$662/mo
Today · 4.125%
HK$25,647
baseline
▲ 0.50% · 4.625%
HK$26,999
+HK$1,352/mo
Deposit HK$3.20M · loan HK$4.80M · min. income ≈ HK$51,294/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,517
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,311
−HK$806/mo
Today · 4.125%
HK$27,117
baseline
▲ 0.50% · 4.625%
HK$28,767
+HK$1,650/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$54,234/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,388
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,149
−HK$772/mo
Today · 4.125%
HK$29,921
baseline
▲ 0.50% · 4.625%
HK$31,499
+HK$1,578/mo
Deposit HK$2.40M · loan HK$5.60M · min. income ≈ HK$59,842/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,808
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,828
−HK$1,037/mo
Today · 4.125%
HK$34,865
baseline
▲ 0.50% · 4.625%
HK$36,987
+HK$2,122/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,730/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,498
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,477
−HK$993/mo
Today · 4.125%
HK$38,470
baseline
▲ 0.50% · 4.625%
HK$40,498
+HK$2,028/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$76,940/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,797 · 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).