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$12,558
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,949
−HK$396/mo
Today · 4.125%
HK$13,345
baseline
▲ 0.50% · 4.625%
HK$14,157
+HK$812/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,690/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,971
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,345
−HK$380/mo
Today · 4.125%
HK$14,725
baseline
▲ 0.50% · 4.625%
HK$15,502
+HK$777/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,450/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,069
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,538
−HK$476/mo
Today · 4.125%
HK$16,014
baseline
▲ 0.50% · 4.625%
HK$16,989
+HK$975/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$32,028/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,765
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,214
−HK$456/mo
Today · 4.125%
HK$17,670
baseline
▲ 0.50% · 4.625%
HK$18,602
+HK$932/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,340/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,581
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,128
−HK$556/mo
Today · 4.125%
HK$18,684
baseline
▲ 0.50% · 4.625%
HK$19,820
+HK$1,136/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$37,368/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,559
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,083
−HK$532/mo
Today · 4.125%
HK$20,615
baseline
▲ 0.50% · 4.625%
HK$21,702
+HK$1,087/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$41,230/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,604
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,307
−HK$715/mo
Today · 4.125%
HK$24,022
baseline
▲ 0.50% · 4.625%
HK$25,483
+HK$1,461/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$48,044/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$123,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,147
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,821
−HK$685/mo
Today · 4.125%
HK$26,506
baseline
▲ 0.50% · 4.625%
HK$27,903
+HK$1,397/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$53,012/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$123,913 · 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).