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$12,555
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,946
−HK$397/mo
Today · 4.125%
HK$13,343
baseline
▲ 0.50% · 4.625%
HK$14,154
+HK$811/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,686/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,968
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,342
−HK$380/mo
Today · 4.125%
HK$14,722
baseline
▲ 0.50% · 4.625%
HK$15,498
+HK$776/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,444/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,066
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,535
−HK$476/mo
Today · 4.125%
HK$16,011
baseline
▲ 0.50% · 4.625%
HK$16,985
+HK$974/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$32,022/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,761
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,211
−HK$456/mo
Today · 4.125%
HK$17,667
baseline
▲ 0.50% · 4.625%
HK$18,598
+HK$931/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,334/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,577
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,124
−HK$556/mo
Today · 4.125%
HK$18,680
baseline
▲ 0.50% · 4.625%
HK$19,816
+HK$1,136/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,360/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,555
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,079
−HK$532/mo
Today · 4.125%
HK$20,611
baseline
▲ 0.50% · 4.625%
HK$21,698
+HK$1,087/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,222/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,599
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,302
−HK$715/mo
Today · 4.125%
HK$24,017
baseline
▲ 0.50% · 4.625%
HK$25,478
+HK$1,461/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$48,034/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,142
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,816
−HK$684/mo
Today · 4.125%
HK$26,500
baseline
▲ 0.50% · 4.625%
HK$27,897
+HK$1,397/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$53,000/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,887 · 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).