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$20,142
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,769
−HK$636/mo
Today · 4.125%
HK$21,405
baseline
▲ 0.50% · 4.625%
HK$22,708
+HK$1,303/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,810/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,408
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,009
−HK$610/mo
Today · 4.125%
HK$23,619
baseline
▲ 0.50% · 4.625%
HK$24,863
+HK$1,244/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,238/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,171
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,922
−HK$764/mo
Today · 4.125%
HK$25,686
baseline
▲ 0.50% · 4.625%
HK$27,249
+HK$1,563/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,372/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,889
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,611
−HK$731/mo
Today · 4.125%
HK$28,342
baseline
▲ 0.50% · 4.625%
HK$29,836
+HK$1,494/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,684/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,199
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,076
−HK$891/mo
Today · 4.125%
HK$29,967
baseline
▲ 0.50% · 4.625%
HK$31,791
+HK$1,824/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,934/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,371
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,212
−HK$854/mo
Today · 4.125%
HK$33,066
baseline
▲ 0.50% · 4.625%
HK$34,809
+HK$1,743/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,132/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,256
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,384
−HK$1,145/mo
Today · 4.125%
HK$38,529
baseline
▲ 0.50% · 4.625%
HK$40,874
+HK$2,345/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$77,058/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,334
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,416
−HK$1,097/mo
Today · 4.125%
HK$42,513
baseline
▲ 0.50% · 4.625%
HK$44,754
+HK$2,241/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$85,026/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,999 · 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).