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$12,523
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,912
−HK$396/mo
Today · 4.125%
HK$13,308
baseline
▲ 0.50% · 4.625%
HK$14,118
+HK$810/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,616/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,932
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,305
−HK$379/mo
Today · 4.125%
HK$14,684
baseline
▲ 0.50% · 4.625%
HK$15,458
+HK$774/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,368/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,028
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,495
−HK$475/mo
Today · 4.125%
HK$15,970
baseline
▲ 0.50% · 4.625%
HK$16,942
+HK$972/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$31,940/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,718
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,166
−HK$455/mo
Today · 4.125%
HK$17,621
baseline
▲ 0.50% · 4.625%
HK$18,550
+HK$929/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,242/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,532
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,077
−HK$555/mo
Today · 4.125%
HK$18,632
baseline
▲ 0.50% · 4.625%
HK$19,765
+HK$1,133/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$37,264/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,504
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,027
−HK$531/mo
Today · 4.125%
HK$20,558
baseline
▲ 0.50% · 4.625%
HK$21,642
+HK$1,084/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$41,116/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,541
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,242
−HK$713/mo
Today · 4.125%
HK$23,955
baseline
▲ 0.50% · 4.625%
HK$25,412
+HK$1,457/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$47,910/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,077
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,749
−HK$683/mo
Today · 4.125%
HK$26,432
baseline
▲ 0.50% · 4.625%
HK$27,825
+HK$1,393/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$52,864/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,568 · 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).