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$12,553
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,944
−HK$397/mo
Today · 4.125%
HK$13,341
baseline
▲ 0.50% · 4.625%
HK$14,152
+HK$811/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,682/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,966
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,340
−HK$380/mo
Today · 4.125%
HK$14,720
baseline
▲ 0.50% · 4.625%
HK$15,496
+HK$776/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,440/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,064
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,533
−HK$476/mo
Today · 4.125%
HK$16,009
baseline
▲ 0.50% · 4.625%
HK$16,983
+HK$974/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$32,018/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,759
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,208
−HK$456/mo
Today · 4.125%
HK$17,664
baseline
▲ 0.50% · 4.625%
HK$18,595
+HK$931/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,328/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,575
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,122
−HK$555/mo
Today · 4.125%
HK$18,677
baseline
▲ 0.50% · 4.625%
HK$19,813
+HK$1,136/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,354/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,552
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,076
−HK$532/mo
Today · 4.125%
HK$20,608
baseline
▲ 0.50% · 4.625%
HK$21,694
+HK$1,086/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,216/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,596
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,299
−HK$714/mo
Today · 4.125%
HK$24,013
baseline
▲ 0.50% · 4.625%
HK$25,474
+HK$1,461/mo
Deposit HK$551K · loan HK$4.95M · min. income ≈ HK$48,026/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,138
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,812
−HK$684/mo
Today · 4.125%
HK$26,496
baseline
▲ 0.50% · 4.625%
HK$27,893
+HK$1,397/mo
Deposit HK$551K · loan HK$4.95M · min. income ≈ HK$52,992/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,870 · 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).