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$12,530
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,919
−HK$396/mo
Today · 4.125%
HK$13,315
baseline
▲ 0.50% · 4.625%
HK$14,125
+HK$810/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,630/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,939
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,313
−HK$379/mo
Today · 4.125%
HK$14,692
baseline
▲ 0.50% · 4.625%
HK$15,466
+HK$774/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,384/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,035
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,503
−HK$475/mo
Today · 4.125%
HK$15,978
baseline
▲ 0.50% · 4.625%
HK$16,951
+HK$973/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$31,956/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,727
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,175
−HK$455/mo
Today · 4.125%
HK$17,630
baseline
▲ 0.50% · 4.625%
HK$18,560
+HK$930/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,260/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,541
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,087
−HK$554/mo
Today · 4.125%
HK$18,641
baseline
▲ 0.50% · 4.625%
HK$19,776
+HK$1,135/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,282/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,515
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,038
−HK$531/mo
Today · 4.125%
HK$20,569
baseline
▲ 0.50% · 4.625%
HK$21,653
+HK$1,084/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,138/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,553
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,255
−HK$712/mo
Today · 4.125%
HK$23,967
baseline
▲ 0.50% · 4.625%
HK$25,426
+HK$1,459/mo
Deposit HK$549K · loan HK$4.95M · min. income ≈ HK$47,934/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,090
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,763
−HK$683/mo
Today · 4.125%
HK$26,446
baseline
▲ 0.50% · 4.625%
HK$27,840
+HK$1,394/mo
Deposit HK$549K · loan HK$4.95M · min. income ≈ HK$52,892/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,633 · 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).