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$12,526
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,916
−HK$396/mo
Today · 4.125%
HK$13,312
baseline
▲ 0.50% · 4.625%
HK$14,122
+HK$810/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,624/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,936
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,309
−HK$379/mo
Today · 4.125%
HK$14,688
baseline
▲ 0.50% · 4.625%
HK$15,463
+HK$775/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,376/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,032
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,499
−HK$475/mo
Today · 4.125%
HK$15,974
baseline
▲ 0.50% · 4.625%
HK$16,946
+HK$972/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$31,948/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,723
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,171
−HK$455/mo
Today · 4.125%
HK$17,626
baseline
▲ 0.50% · 4.625%
HK$18,555
+HK$929/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,252/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,537
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,082
−HK$555/mo
Today · 4.125%
HK$18,637
baseline
▲ 0.50% · 4.625%
HK$19,771
+HK$1,134/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,274/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,510
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,033
−HK$531/mo
Today · 4.125%
HK$20,564
baseline
▲ 0.50% · 4.625%
HK$21,648
+HK$1,084/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,128/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,548
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,249
−HK$712/mo
Today · 4.125%
HK$23,961
baseline
▲ 0.50% · 4.625%
HK$25,419
+HK$1,458/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$47,922/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,084
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,757
−HK$682/mo
Today · 4.125%
HK$26,439
baseline
▲ 0.50% · 4.625%
HK$27,833
+HK$1,394/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$52,878/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,603 · 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).