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$12,523
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,913
−HK$395/mo
Today · 4.125%
HK$13,308
baseline
▲ 0.50% · 4.625%
HK$14,118
+HK$810/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,616/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,932
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,306
−HK$379/mo
Today · 4.125%
HK$14,685
baseline
▲ 0.50% · 4.625%
HK$15,459
+HK$774/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,370/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,028
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,495
−HK$475/mo
Today · 4.125%
HK$15,970
baseline
▲ 0.50% · 4.625%
HK$16,942
+HK$972/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$31,940/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,718
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,167
−HK$454/mo
Today · 4.125%
HK$17,621
baseline
▲ 0.50% · 4.625%
HK$18,550
+HK$929/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,242/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,532
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,078
−HK$554/mo
Today · 4.125%
HK$18,632
baseline
▲ 0.50% · 4.625%
HK$19,766
+HK$1,134/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$37,264/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,505
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,028
−HK$530/mo
Today · 4.125%
HK$20,558
baseline
▲ 0.50% · 4.625%
HK$21,642
+HK$1,084/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$41,116/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,542
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,243
−HK$712/mo
Today · 4.125%
HK$23,955
baseline
▲ 0.50% · 4.625%
HK$25,413
+HK$1,458/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$47,910/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,077
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,750
−HK$682/mo
Today · 4.125%
HK$26,432
baseline
▲ 0.50% · 4.625%
HK$27,825
+HK$1,393/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$52,864/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,570 · 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).