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$20,180
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,808
−HK$638/mo
Today · 4.125%
HK$21,446
baseline
▲ 0.50% · 4.625%
HK$22,751
+HK$1,305/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,892/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,450
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,052
−HK$611/mo
Today · 4.125%
HK$23,663
baseline
▲ 0.50% · 4.625%
HK$24,911
+HK$1,248/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,326/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,216
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,970
−HK$765/mo
Today · 4.125%
HK$25,735
baseline
▲ 0.50% · 4.625%
HK$27,301
+HK$1,566/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,470/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,940
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,663
−HK$733/mo
Today · 4.125%
HK$28,396
baseline
▲ 0.50% · 4.625%
HK$29,893
+HK$1,497/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,792/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,252
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,131
−HK$893/mo
Today · 4.125%
HK$30,024
baseline
▲ 0.50% · 4.625%
HK$31,851
+HK$1,827/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$60,048/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,430
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,273
−HK$856/mo
Today · 4.125%
HK$33,129
baseline
▲ 0.50% · 4.625%
HK$34,875
+HK$1,746/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,258/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,324
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,454
−HK$1,148/mo
Today · 4.125%
HK$38,602
baseline
▲ 0.50% · 4.625%
HK$40,951
+HK$2,349/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$77,204/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,411
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,494
−HK$1,100/mo
Today · 4.125%
HK$42,594
baseline
▲ 0.50% · 4.625%
HK$44,839
+HK$2,245/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$85,188/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,500 · 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).