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$21,822
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,501
−HK$690/mo
Today · 4.125%
HK$23,191
baseline
▲ 0.50% · 4.625%
HK$24,602
+HK$1,411/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$46,382/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$327,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,277
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,928
−HK$661/mo
Today · 4.125%
HK$25,589
baseline
▲ 0.50% · 4.625%
HK$26,937
+HK$1,348/mo
Deposit HK$4.79M · loan HK$4.79M · min. income ≈ HK$51,178/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$327,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,187
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$27,001
−HK$828/mo
Today · 4.125%
HK$27,829
baseline
▲ 0.50% · 4.625%
HK$29,522
+HK$1,693/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$55,658/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,132
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,914
−HK$792/mo
Today · 4.125%
HK$30,706
baseline
▲ 0.50% · 4.625%
HK$32,325
+HK$1,619/mo
Deposit HK$3.83M · loan HK$5.74M · min. income ≈ HK$61,412/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$327,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,551
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,501
−HK$966/mo
Today · 4.125%
HK$32,467
baseline
▲ 0.50% · 4.625%
HK$34,442
+HK$1,975/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$64,934/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,988
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,899
−HK$925/mo
Today · 4.125%
HK$35,824
baseline
▲ 0.50% · 4.625%
HK$37,712
+HK$1,888/mo
Deposit HK$2.87M · loan HK$6.70M · min. income ≈ HK$71,648/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$327,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,280
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,502
−HK$1,241/mo
Today · 4.125%
HK$41,743
baseline
▲ 0.50% · 4.625%
HK$44,283
+HK$2,540/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$83,486/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$327,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,699
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,871
−HK$1,189/mo
Today · 4.125%
HK$46,060
baseline
▲ 0.50% · 4.625%
HK$48,487
+HK$2,427/mo
Deposit HK$957K · loan HK$8.61M · min. income ≈ HK$92,120/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$327,008 · 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).