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$19,671
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,283
−HK$621/mo
Today · 4.125%
HK$20,904
baseline
▲ 0.50% · 4.625%
HK$22,176
+HK$1,272/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,808/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,884
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,471
−HK$595/mo
Today · 4.125%
HK$23,066
baseline
▲ 0.50% · 4.625%
HK$24,282
+HK$1,216/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,132/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,605
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,339
−HK$746/mo
Today · 4.125%
HK$25,085
baseline
▲ 0.50% · 4.625%
HK$26,612
+HK$1,527/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,170/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,260
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,965
−HK$714/mo
Today · 4.125%
HK$27,679
baseline
▲ 0.50% · 4.625%
HK$29,138
+HK$1,459/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,358/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,539
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,396
−HK$870/mo
Today · 4.125%
HK$29,266
baseline
▲ 0.50% · 4.625%
HK$31,047
+HK$1,781/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,532/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,637
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,459
−HK$833/mo
Today · 4.125%
HK$32,292
baseline
▲ 0.50% · 4.625%
HK$33,995
+HK$1,703/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,584/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,408
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,509
−HK$1,119/mo
Today · 4.125%
HK$37,628
baseline
▲ 0.50% · 4.625%
HK$39,918
+HK$2,290/mo
Deposit HK$863K · loan HK$7.76M · min. income ≈ HK$75,256/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,391
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,447
−HK$1,072/mo
Today · 4.125%
HK$41,519
baseline
▲ 0.50% · 4.625%
HK$43,707
+HK$2,188/mo
Deposit HK$863K · loan HK$7.76M · min. income ≈ HK$83,038/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,800 · 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).