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$12,562
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,953
−HK$397/mo
Today · 4.125%
HK$13,350
baseline
▲ 0.50% · 4.625%
HK$14,162
+HK$812/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,700/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,975
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,350
−HK$380/mo
Today · 4.125%
HK$14,730
baseline
▲ 0.50% · 4.625%
HK$15,506
+HK$776/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,460/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,074
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,543
−HK$476/mo
Today · 4.125%
HK$16,019
baseline
▲ 0.50% · 4.625%
HK$16,994
+HK$975/mo
Deposit HK$2.20M · loan HK$3.31M · min. income ≈ HK$32,038/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,770
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,220
−HK$456/mo
Today · 4.125%
HK$17,676
baseline
▲ 0.50% · 4.625%
HK$18,608
+HK$932/mo
Deposit HK$2.20M · loan HK$3.31M · min. income ≈ HK$35,352/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,587
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,134
−HK$555/mo
Today · 4.125%
HK$18,689
baseline
▲ 0.50% · 4.625%
HK$19,827
+HK$1,138/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$37,378/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,565
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,090
−HK$532/mo
Today · 4.125%
HK$20,622
baseline
▲ 0.50% · 4.625%
HK$21,709
+HK$1,087/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$41,244/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,611
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,315
−HK$714/mo
Today · 4.125%
HK$24,029
baseline
▲ 0.50% · 4.625%
HK$25,491
+HK$1,462/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$48,058/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$123,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,155
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,829
−HK$685/mo
Today · 4.125%
HK$26,514
baseline
▲ 0.50% · 4.625%
HK$27,911
+HK$1,397/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$53,028/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$123,952 · 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).