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$19,451
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,056
−HK$614/mo
Today · 4.125%
HK$20,670
baseline
▲ 0.50% · 4.625%
HK$21,928
+HK$1,258/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,340/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,639
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,219
−HK$589/mo
Today · 4.125%
HK$22,808
baseline
▲ 0.50% · 4.625%
HK$24,010
+HK$1,202/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,616/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,341
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,067
−HK$737/mo
Today · 4.125%
HK$24,804
baseline
▲ 0.50% · 4.625%
HK$26,314
+HK$1,510/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,608/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,966
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,663
−HK$706/mo
Today · 4.125%
HK$27,369
baseline
▲ 0.50% · 4.625%
HK$28,812
+HK$1,443/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,738/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,231
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,078
−HK$860/mo
Today · 4.125%
HK$28,938
baseline
▲ 0.50% · 4.625%
HK$30,699
+HK$1,761/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,876/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,294
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,106
−HK$825/mo
Today · 4.125%
HK$31,931
baseline
▲ 0.50% · 4.625%
HK$33,614
+HK$1,683/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,862/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,011
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,100
−HK$1,106/mo
Today · 4.125%
HK$37,206
baseline
▲ 0.50% · 4.625%
HK$39,470
+HK$2,264/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$74,412/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,949
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$39,994
−HK$1,060/mo
Today · 4.125%
HK$41,054
baseline
▲ 0.50% · 4.625%
HK$43,218
+HK$2,164/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$82,108/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,900 · 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).