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$788/mo
▼ 0.25% · 3.875%
HK$12,951
−HK$397/mo
Today · 4.125%
HK$13,348
baseline
▲ 0.50% · 4.625%
HK$14,160
+HK$812/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,696/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,973
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,348
−HK$380/mo
Today · 4.125%
HK$14,728
baseline
▲ 0.50% · 4.625%
HK$15,504
+HK$776/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,456/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,072
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,541
−HK$476/mo
Today · 4.125%
HK$16,017
baseline
▲ 0.50% · 4.625%
HK$16,992
+HK$975/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$123,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,768
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,217
−HK$456/mo
Today · 4.125%
HK$17,673
baseline
▲ 0.50% · 4.625%
HK$18,605
+HK$932/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$123,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,584
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,131
−HK$556/mo
Today · 4.125%
HK$18,687
baseline
▲ 0.50% · 4.625%
HK$19,824
+HK$1,137/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$37,374/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,562
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,087
−HK$532/mo
Today · 4.125%
HK$20,619
baseline
▲ 0.50% · 4.625%
HK$21,706
+HK$1,087/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$41,238/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,608
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,311
−HK$715/mo
Today · 4.125%
HK$24,026
baseline
▲ 0.50% · 4.625%
HK$25,488
+HK$1,462/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$48,052/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$123,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,151
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,826
−HK$684/mo
Today · 4.125%
HK$26,510
baseline
▲ 0.50% · 4.625%
HK$27,908
+HK$1,398/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$53,020/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$123,935 · 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).