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$20,195
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,824
−HK$638/mo
Today · 4.125%
HK$21,462
baseline
▲ 0.50% · 4.625%
HK$22,768
+HK$1,306/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,924/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,467
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,070
−HK$611/mo
Today · 4.125%
HK$23,681
baseline
▲ 0.50% · 4.625%
HK$24,929
+HK$1,248/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,362/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,235
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,988
−HK$766/mo
Today · 4.125%
HK$25,754
baseline
▲ 0.50% · 4.625%
HK$27,321
+HK$1,567/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,508/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,961
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,684
−HK$733/mo
Today · 4.125%
HK$28,417
baseline
▲ 0.50% · 4.625%
HK$29,915
+HK$1,498/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,834/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,274
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,153
−HK$894/mo
Today · 4.125%
HK$30,047
baseline
▲ 0.50% · 4.625%
HK$31,875
+HK$1,828/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,094/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,454
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,298
−HK$855/mo
Today · 4.125%
HK$33,153
baseline
▲ 0.50% · 4.625%
HK$34,901
+HK$1,748/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,306/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,352
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,483
−HK$1,148/mo
Today · 4.125%
HK$38,631
baseline
▲ 0.50% · 4.625%
HK$40,982
+HK$2,351/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$77,262/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,441
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,526
−HK$1,100/mo
Today · 4.125%
HK$42,626
baseline
▲ 0.50% · 4.625%
HK$44,873
+HK$2,247/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$85,252/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,700 · 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).