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$12,528
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,917
−HK$396/mo
Today · 4.125%
HK$13,313
baseline
▲ 0.50% · 4.625%
HK$14,123
+HK$810/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,626/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,937
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,311
−HK$379/mo
Today · 4.125%
HK$14,690
baseline
▲ 0.50% · 4.625%
HK$15,464
+HK$774/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,380/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,033
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,501
−HK$475/mo
Today · 4.125%
HK$15,976
baseline
▲ 0.50% · 4.625%
HK$16,948
+HK$972/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$31,952/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,724
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,173
−HK$455/mo
Today · 4.125%
HK$17,628
baseline
▲ 0.50% · 4.625%
HK$18,557
+HK$929/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,256/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,539
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,084
−HK$555/mo
Today · 4.125%
HK$18,639
baseline
▲ 0.50% · 4.625%
HK$19,773
+HK$1,134/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,278/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,512
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,035
−HK$531/mo
Today · 4.125%
HK$20,566
baseline
▲ 0.50% · 4.625%
HK$21,650
+HK$1,084/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,132/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,550
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,251
−HK$713/mo
Today · 4.125%
HK$23,964
baseline
▲ 0.50% · 4.625%
HK$25,422
+HK$1,458/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$47,928/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,086
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,759
−HK$683/mo
Today · 4.125%
HK$26,442
baseline
▲ 0.50% · 4.625%
HK$27,836
+HK$1,394/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$52,884/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,615 · 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).