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$20,211
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,839
−HK$639/mo
Today · 4.125%
HK$21,478
baseline
▲ 0.50% · 4.625%
HK$22,785
+HK$1,307/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,956/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,484
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,087
−HK$612/mo
Today · 4.125%
HK$23,699
baseline
▲ 0.50% · 4.625%
HK$24,948
+HK$1,249/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,398/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,253
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,007
−HK$767/mo
Today · 4.125%
HK$25,774
baseline
▲ 0.50% · 4.625%
HK$27,342
+HK$1,568/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,548/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,981
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,705
−HK$734/mo
Today · 4.125%
HK$28,439
baseline
▲ 0.50% · 4.625%
HK$29,938
+HK$1,499/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,878/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,295
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,175
−HK$894/mo
Today · 4.125%
HK$30,069
baseline
▲ 0.50% · 4.625%
HK$31,899
+HK$1,830/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,138/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,478
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,322
−HK$856/mo
Today · 4.125%
HK$33,178
baseline
▲ 0.50% · 4.625%
HK$34,927
+HK$1,749/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,356/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,379
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,511
−HK$1,149/mo
Today · 4.125%
HK$38,660
baseline
▲ 0.50% · 4.625%
HK$41,013
+HK$2,353/mo
Deposit HK$886K · loan HK$7.98M · min. income ≈ HK$77,320/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,471
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,557
−HK$1,101/mo
Today · 4.125%
HK$42,658
baseline
▲ 0.50% · 4.625%
HK$44,906
+HK$2,248/mo
Deposit HK$886K · loan HK$7.98M · min. income ≈ HK$85,316/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,900 · 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).