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$12,537
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,927
−HK$396/mo
Today · 4.125%
HK$13,323
baseline
▲ 0.50% · 4.625%
HK$14,134
+HK$811/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,646/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,948
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,322
−HK$379/mo
Today · 4.125%
HK$14,701
baseline
▲ 0.50% · 4.625%
HK$15,476
+HK$775/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,402/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,045
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,513
−HK$475/mo
Today · 4.125%
HK$15,988
baseline
▲ 0.50% · 4.625%
HK$16,961
+HK$973/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$31,976/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,737
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,186
−HK$455/mo
Today · 4.125%
HK$17,641
baseline
▲ 0.50% · 4.625%
HK$18,571
+HK$930/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,282/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,552
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,098
−HK$555/mo
Today · 4.125%
HK$18,653
baseline
▲ 0.50% · 4.625%
HK$19,788
+HK$1,135/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,306/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,527
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,050
−HK$531/mo
Today · 4.125%
HK$20,581
baseline
▲ 0.50% · 4.625%
HK$21,666
+HK$1,085/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,162/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,567
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,269
−HK$713/mo
Today · 4.125%
HK$23,982
baseline
▲ 0.50% · 4.625%
HK$25,441
+HK$1,459/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$47,964/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,106
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,779
−HK$683/mo
Today · 4.125%
HK$26,462
baseline
▲ 0.50% · 4.625%
HK$27,857
+HK$1,395/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$52,924/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,709 · 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).