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$12,552
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,942
−HK$397/mo
Today · 4.125%
HK$13,339
baseline
▲ 0.50% · 4.625%
HK$14,151
+HK$812/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,678/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,964
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,338
−HK$380/mo
Today · 4.125%
HK$14,718
baseline
▲ 0.50% · 4.625%
HK$15,494
+HK$776/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,436/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,062
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,531
−HK$476/mo
Today · 4.125%
HK$16,007
baseline
▲ 0.50% · 4.625%
HK$16,981
+HK$974/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$32,014/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,757
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,206
−HK$456/mo
Today · 4.125%
HK$17,662
baseline
▲ 0.50% · 4.625%
HK$18,593
+HK$931/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,324/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,573
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,119
−HK$556/mo
Today · 4.125%
HK$18,675
baseline
▲ 0.50% · 4.625%
HK$19,811
+HK$1,136/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,350/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,549
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,074
−HK$532/mo
Today · 4.125%
HK$20,606
baseline
▲ 0.50% · 4.625%
HK$21,692
+HK$1,086/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,212/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,593
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,296
−HK$714/mo
Today · 4.125%
HK$24,010
baseline
▲ 0.50% · 4.625%
HK$25,471
+HK$1,461/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$48,020/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,135
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,809
−HK$684/mo
Today · 4.125%
HK$26,493
baseline
▲ 0.50% · 4.625%
HK$27,889
+HK$1,396/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$52,986/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,854 · 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).