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$12,559
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,950
−HK$397/mo
Today · 4.125%
HK$13,347
baseline
▲ 0.50% · 4.625%
HK$14,159
+HK$812/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,694/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,972
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,347
−HK$380/mo
Today · 4.125%
HK$14,727
baseline
▲ 0.50% · 4.625%
HK$15,503
+HK$776/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,454/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,071
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,540
−HK$476/mo
Today · 4.125%
HK$16,016
baseline
▲ 0.50% · 4.625%
HK$16,991
+HK$975/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$32,032/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,766
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,216
−HK$456/mo
Today · 4.125%
HK$17,672
baseline
▲ 0.50% · 4.625%
HK$18,604
+HK$932/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,344/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,583
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,130
−HK$556/mo
Today · 4.125%
HK$18,686
baseline
▲ 0.50% · 4.625%
HK$19,822
+HK$1,136/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$37,372/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,561
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,085
−HK$533/mo
Today · 4.125%
HK$20,618
baseline
▲ 0.50% · 4.625%
HK$21,704
+HK$1,086/mo
Deposit HK$1.65M · loan HK$3.86M · min. income ≈ HK$41,236/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,607
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,310
−HK$714/mo
Today · 4.125%
HK$24,024
baseline
▲ 0.50% · 4.625%
HK$25,486
+HK$1,462/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$48,048/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$123,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,150
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,824
−HK$684/mo
Today · 4.125%
HK$26,508
baseline
▲ 0.50% · 4.625%
HK$27,906
+HK$1,398/mo
Deposit HK$551K · loan HK$4.96M · min. income ≈ HK$53,016/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$123,926 · 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).