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$12,525
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,915
−HK$396/mo
Today · 4.125%
HK$13,311
baseline
▲ 0.50% · 4.625%
HK$14,121
+HK$810/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,622/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,934
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,308
−HK$379/mo
Today · 4.125%
HK$14,687
baseline
▲ 0.50% · 4.625%
HK$15,461
+HK$774/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,374/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,030
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,498
−HK$475/mo
Today · 4.125%
HK$15,973
baseline
▲ 0.50% · 4.625%
HK$16,945
+HK$972/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$31,946/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,721
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,170
−HK$455/mo
Today · 4.125%
HK$17,625
baseline
▲ 0.50% · 4.625%
HK$18,554
+HK$929/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,250/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,536
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,081
−HK$554/mo
Today · 4.125%
HK$18,635
baseline
▲ 0.50% · 4.625%
HK$19,769
+HK$1,134/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,270/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,508
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,031
−HK$531/mo
Today · 4.125%
HK$20,562
baseline
▲ 0.50% · 4.625%
HK$21,646
+HK$1,084/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,124/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,546
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,247
−HK$713/mo
Today · 4.125%
HK$23,960
baseline
▲ 0.50% · 4.625%
HK$25,417
+HK$1,457/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$47,920/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,082
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,755
−HK$682/mo
Today · 4.125%
HK$26,437
baseline
▲ 0.50% · 4.625%
HK$27,830
+HK$1,393/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$52,874/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,592 · 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).