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$12,564
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,955
−HK$397/mo
Today · 4.125%
HK$13,352
baseline
▲ 0.50% · 4.625%
HK$14,164
+HK$812/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,704/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,977
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,352
−HK$380/mo
Today · 4.125%
HK$14,732
baseline
▲ 0.50% · 4.625%
HK$15,509
+HK$777/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,464/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,077
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,546
−HK$476/mo
Today · 4.125%
HK$16,022
baseline
▲ 0.50% · 4.625%
HK$16,997
+HK$975/mo
Deposit HK$2.20M · loan HK$3.31M · min. income ≈ HK$32,044/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,773
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,222
−HK$457/mo
Today · 4.125%
HK$17,679
baseline
▲ 0.50% · 4.625%
HK$18,611
+HK$932/mo
Deposit HK$2.20M · loan HK$3.31M · min. income ≈ HK$35,358/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,589
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,136
−HK$556/mo
Today · 4.125%
HK$18,692
baseline
▲ 0.50% · 4.625%
HK$19,830
+HK$1,138/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$37,384/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,568
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,093
−HK$532/mo
Today · 4.125%
HK$20,625
baseline
▲ 0.50% · 4.625%
HK$21,712
+HK$1,087/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$41,250/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,615
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,318
−HK$715/mo
Today · 4.125%
HK$24,033
baseline
▲ 0.50% · 4.625%
HK$25,495
+HK$1,462/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$48,066/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$123,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,159
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,834
−HK$684/mo
Today · 4.125%
HK$26,518
baseline
▲ 0.50% · 4.625%
HK$27,916
+HK$1,398/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$53,036/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$123,971 · 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).