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$12,520
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,910
−HK$395/mo
Today · 4.125%
HK$13,305
baseline
▲ 0.50% · 4.625%
HK$14,115
+HK$810/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,610/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,929
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,302
−HK$379/mo
Today · 4.125%
HK$14,681
baseline
▲ 0.50% · 4.625%
HK$15,455
+HK$774/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,362/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,024
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,492
−HK$475/mo
Today · 4.125%
HK$15,967
baseline
▲ 0.50% · 4.625%
HK$16,938
+HK$971/mo
Deposit HK$2.20M · loan HK$3.29M · min. income ≈ HK$31,934/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,714
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,163
−HK$455/mo
Today · 4.125%
HK$17,618
baseline
▲ 0.50% · 4.625%
HK$18,546
+HK$928/mo
Deposit HK$2.20M · loan HK$3.29M · min. income ≈ HK$35,236/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,528
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,074
−HK$554/mo
Today · 4.125%
HK$18,628
baseline
▲ 0.50% · 4.625%
HK$19,761
+HK$1,133/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$37,256/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,500
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,023
−HK$531/mo
Today · 4.125%
HK$20,554
baseline
▲ 0.50% · 4.625%
HK$21,637
+HK$1,083/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$41,108/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,537
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,238
−HK$712/mo
Today · 4.125%
HK$23,950
baseline
▲ 0.50% · 4.625%
HK$25,407
+HK$1,457/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$47,900/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,072
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,744
−HK$682/mo
Today · 4.125%
HK$26,426
baseline
▲ 0.50% · 4.625%
HK$27,819
+HK$1,393/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$52,852/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,542 · 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).