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$12,540
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,930
−HK$396/mo
Today · 4.125%
HK$13,326
baseline
▲ 0.50% · 4.625%
HK$14,137
+HK$811/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,652/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,951
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,325
−HK$379/mo
Today · 4.125%
HK$14,704
baseline
▲ 0.50% · 4.625%
HK$15,479
+HK$775/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,408/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,048
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,516
−HK$476/mo
Today · 4.125%
HK$15,992
baseline
▲ 0.50% · 4.625%
HK$16,965
+HK$973/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$31,984/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,741
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,190
−HK$455/mo
Today · 4.125%
HK$17,645
baseline
▲ 0.50% · 4.625%
HK$18,575
+HK$930/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,290/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,556
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,102
−HK$555/mo
Today · 4.125%
HK$18,657
baseline
▲ 0.50% · 4.625%
HK$19,792
+HK$1,135/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,314/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,531
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,055
−HK$531/mo
Today · 4.125%
HK$20,586
baseline
▲ 0.50% · 4.625%
HK$21,671
+HK$1,085/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,172/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,572
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,274
−HK$714/mo
Today · 4.125%
HK$23,988
baseline
▲ 0.50% · 4.625%
HK$25,447
+HK$1,459/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$47,976/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,111
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,785
−HK$683/mo
Today · 4.125%
HK$26,468
baseline
▲ 0.50% · 4.625%
HK$27,863
+HK$1,395/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$52,936/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,737 · 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).