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$12,522
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,912
−HK$395/mo
Today · 4.125%
HK$13,307
baseline
▲ 0.50% · 4.625%
HK$14,117
+HK$810/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,614/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,931
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,304
−HK$379/mo
Today · 4.125%
HK$14,683
baseline
▲ 0.50% · 4.625%
HK$15,457
+HK$774/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,366/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,026
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,494
−HK$475/mo
Today · 4.125%
HK$15,969
baseline
▲ 0.50% · 4.625%
HK$16,940
+HK$971/mo
Deposit HK$2.20M · loan HK$3.29M · min. income ≈ HK$31,938/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,717
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,165
−HK$455/mo
Today · 4.125%
HK$17,620
baseline
▲ 0.50% · 4.625%
HK$18,549
+HK$929/mo
Deposit HK$2.20M · loan HK$3.29M · min. income ≈ HK$35,240/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,531
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,076
−HK$554/mo
Today · 4.125%
HK$18,630
baseline
▲ 0.50% · 4.625%
HK$19,764
+HK$1,134/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$37,260/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,503
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,026
−HK$531/mo
Today · 4.125%
HK$20,557
baseline
▲ 0.50% · 4.625%
HK$21,640
+HK$1,083/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$41,114/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,540
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,241
−HK$712/mo
Today · 4.125%
HK$23,953
baseline
▲ 0.50% · 4.625%
HK$25,411
+HK$1,458/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$47,906/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,075
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,748
−HK$682/mo
Today · 4.125%
HK$26,430
baseline
▲ 0.50% · 4.625%
HK$27,823
+HK$1,393/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$52,860/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,559 · 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).