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$785/mo
▼ 0.25% · 3.875%
HK$12,914
−HK$396/mo
Today · 4.125%
HK$13,310
baseline
▲ 0.50% · 4.625%
HK$14,120
+HK$810/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,620/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,934
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,307
−HK$380/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$123,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,030
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,497
−HK$475/mo
Today · 4.125%
HK$15,972
baseline
▲ 0.50% · 4.625%
HK$16,944
+HK$972/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$31,944/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,720
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,169
−HK$455/mo
Today · 4.125%
HK$17,624
baseline
▲ 0.50% · 4.625%
HK$18,553
+HK$929/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,248/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,535
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,080
−HK$554/mo
Today · 4.125%
HK$18,634
baseline
▲ 0.50% · 4.625%
HK$19,768
+HK$1,134/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$37,268/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,507
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,030
−HK$531/mo
Today · 4.125%
HK$20,561
baseline
▲ 0.50% · 4.625%
HK$21,645
+HK$1,084/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$41,122/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,545
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,246
−HK$712/mo
Today · 4.125%
HK$23,958
baseline
▲ 0.50% · 4.625%
HK$25,416
+HK$1,458/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$47,916/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,081
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,753
−HK$683/mo
Today · 4.125%
HK$26,436
baseline
▲ 0.50% · 4.625%
HK$27,829
+HK$1,393/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$52,872/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,587 · 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).