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$12,909
−HK$396/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$123,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,928
−HK$753/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$123,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,024
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,491
−HK$475/mo
Today · 4.125%
HK$15,966
baseline
▲ 0.50% · 4.625%
HK$16,938
+HK$972/mo
Deposit HK$2.20M · loan HK$3.29M · min. income ≈ HK$31,932/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,714
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,162
−HK$455/mo
Today · 4.125%
HK$17,617
baseline
▲ 0.50% · 4.625%
HK$18,546
+HK$929/mo
Deposit HK$2.20M · loan HK$3.29M · min. income ≈ HK$35,234/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,528
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,073
−HK$554/mo
Today · 4.125%
HK$18,627
baseline
▲ 0.50% · 4.625%
HK$19,761
+HK$1,134/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$37,254/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,500
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,023
−HK$530/mo
Today · 4.125%
HK$20,553
baseline
▲ 0.50% · 4.625%
HK$21,637
+HK$1,084/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$41,106/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,536
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,237
−HK$712/mo
Today · 4.125%
HK$23,949
baseline
▲ 0.50% · 4.625%
HK$25,406
+HK$1,457/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$47,898/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,071
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,743
−HK$683/mo
Today · 4.125%
HK$26,426
baseline
▲ 0.50% · 4.625%
HK$27,818
+HK$1,392/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$123,539 · 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).