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$788/mo
▼ 0.25% · 3.875%
HK$12,949
−HK$397/mo
Today · 4.125%
HK$13,346
baseline
▲ 0.50% · 4.625%
HK$14,158
+HK$812/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,692/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,971
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,346
−HK$380/mo
Today · 4.125%
HK$14,726
baseline
▲ 0.50% · 4.625%
HK$15,502
+HK$776/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,452/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,070
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,539
−HK$476/mo
Today · 4.125%
HK$16,015
baseline
▲ 0.50% · 4.625%
HK$16,989
+HK$974/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$32,030/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,765
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,215
−HK$456/mo
Today · 4.125%
HK$17,671
baseline
▲ 0.50% · 4.625%
HK$18,602
+HK$931/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,342/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,582
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,129
−HK$555/mo
Today · 4.125%
HK$18,684
baseline
▲ 0.50% · 4.625%
HK$19,821
+HK$1,137/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$123,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,559
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,084
−HK$532/mo
Today · 4.125%
HK$20,616
baseline
▲ 0.50% · 4.625%
HK$21,703
+HK$1,087/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$41,232/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,605
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,308
−HK$714/mo
Today · 4.125%
HK$24,022
baseline
▲ 0.50% · 4.625%
HK$25,484
+HK$1,462/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$123,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,148
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,822
−HK$684/mo
Today · 4.125%
HK$26,506
baseline
▲ 0.50% · 4.625%
HK$27,904
+HK$1,398/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$123,917 · 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).