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$12,524
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,913
−HK$396/mo
Today · 4.125%
HK$13,309
baseline
▲ 0.50% · 4.625%
HK$14,119
+HK$810/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,618/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,933
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,306
−HK$379/mo
Today · 4.125%
HK$14,685
baseline
▲ 0.50% · 4.625%
HK$15,459
+HK$774/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,370/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,028
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,496
−HK$475/mo
Today · 4.125%
HK$15,971
baseline
▲ 0.50% · 4.625%
HK$16,943
+HK$972/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$31,942/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,719
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,167
−HK$455/mo
Today · 4.125%
HK$17,622
baseline
▲ 0.50% · 4.625%
HK$18,551
+HK$929/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,244/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,533
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,079
−HK$554/mo
Today · 4.125%
HK$18,633
baseline
▲ 0.50% · 4.625%
HK$19,766
+HK$1,133/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$37,266/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,506
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,029
−HK$530/mo
Today · 4.125%
HK$20,559
baseline
▲ 0.50% · 4.625%
HK$21,643
+HK$1,084/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$41,118/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,543
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,244
−HK$712/mo
Today · 4.125%
HK$23,956
baseline
▲ 0.50% · 4.625%
HK$25,414
+HK$1,458/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$47,912/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,079
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,751
−HK$682/mo
Today · 4.125%
HK$26,433
baseline
▲ 0.50% · 4.625%
HK$27,827
+HK$1,394/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$52,866/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,576 · 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).