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$12,519
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,909
−HK$395/mo
Today · 4.125%
HK$13,304
baseline
▲ 0.50% · 4.625%
HK$14,114
+HK$810/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,608/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,928
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,301
−HK$379/mo
Today · 4.125%
HK$14,680
baseline
▲ 0.50% · 4.625%
HK$15,454
+HK$774/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,360/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,023
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,491
−HK$474/mo
Today · 4.125%
HK$15,965
baseline
▲ 0.50% · 4.625%
HK$16,937
+HK$972/mo
Deposit HK$2.20M · loan HK$3.29M · min. income ≈ HK$31,930/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,713
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,161
−HK$455/mo
Today · 4.125%
HK$17,616
baseline
▲ 0.50% · 4.625%
HK$18,545
+HK$929/mo
Deposit HK$2.20M · loan HK$3.29M · min. income ≈ HK$35,232/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,527
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,072
−HK$554/mo
Today · 4.125%
HK$18,626
baseline
▲ 0.50% · 4.625%
HK$19,760
+HK$1,134/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$37,252/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,499
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,022
−HK$530/mo
Today · 4.125%
HK$20,552
baseline
▲ 0.50% · 4.625%
HK$21,635
+HK$1,083/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$41,104/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,535
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,236
−HK$712/mo
Today · 4.125%
HK$23,948
baseline
▲ 0.50% · 4.625%
HK$25,405
+HK$1,457/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$47,896/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,070
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,742
−HK$682/mo
Today · 4.125%
HK$26,424
baseline
▲ 0.50% · 4.625%
HK$27,817
+HK$1,393/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$52,848/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,533 · 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).