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$12,521
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,911
−HK$395/mo
Today · 4.125%
HK$13,306
baseline
▲ 0.50% · 4.625%
HK$14,116
+HK$810/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,612/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,930
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,303
−HK$379/mo
Today · 4.125%
HK$14,682
baseline
▲ 0.50% · 4.625%
HK$15,456
+HK$774/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,364/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,025
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,493
−HK$475/mo
Today · 4.125%
HK$15,968
baseline
▲ 0.50% · 4.625%
HK$16,939
+HK$971/mo
Deposit HK$2.20M · loan HK$3.29M · min. income ≈ HK$31,936/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,716
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,164
−HK$455/mo
Today · 4.125%
HK$17,619
baseline
▲ 0.50% · 4.625%
HK$18,548
+HK$929/mo
Deposit HK$2.20M · loan HK$3.29M · min. income ≈ HK$35,238/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,530
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,075
−HK$554/mo
Today · 4.125%
HK$18,629
baseline
▲ 0.50% · 4.625%
HK$19,763
+HK$1,134/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$37,258/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,502
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,025
−HK$530/mo
Today · 4.125%
HK$20,555
baseline
▲ 0.50% · 4.625%
HK$21,639
+HK$1,084/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$41,110/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,538
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,239
−HK$713/mo
Today · 4.125%
HK$23,952
baseline
▲ 0.50% · 4.625%
HK$25,409
+HK$1,457/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$47,904/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,074
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,746
−HK$682/mo
Today · 4.125%
HK$26,428
baseline
▲ 0.50% · 4.625%
HK$27,821
+HK$1,393/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$52,856/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,551 · 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).