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$12,560
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,950
−HK$397/mo
Today · 4.125%
HK$13,347
baseline
▲ 0.50% · 4.625%
HK$14,159
+HK$812/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,694/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,973
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,347
−HK$380/mo
Today · 4.125%
HK$14,727
baseline
▲ 0.50% · 4.625%
HK$15,504
+HK$777/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,454/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,072
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,540
−HK$477/mo
Today · 4.125%
HK$16,017
baseline
▲ 0.50% · 4.625%
HK$16,991
+HK$974/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$32,034/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,767
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,217
−HK$456/mo
Today · 4.125%
HK$17,673
baseline
▲ 0.50% · 4.625%
HK$18,604
+HK$931/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,346/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,584
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,131
−HK$555/mo
Today · 4.125%
HK$18,686
baseline
▲ 0.50% · 4.625%
HK$19,823
+HK$1,137/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$37,372/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,562
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,086
−HK$532/mo
Today · 4.125%
HK$20,618
baseline
▲ 0.50% · 4.625%
HK$21,705
+HK$1,087/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$41,236/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,607
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,311
−HK$714/mo
Today · 4.125%
HK$24,025
baseline
▲ 0.50% · 4.625%
HK$25,487
+HK$1,462/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$48,050/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$123,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,151
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,825
−HK$684/mo
Today · 4.125%
HK$26,509
baseline
▲ 0.50% · 4.625%
HK$27,907
+HK$1,398/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$53,018/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$123,931 · 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).