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$12,533
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,923
−HK$396/mo
Today · 4.125%
HK$13,319
baseline
▲ 0.50% · 4.625%
HK$14,130
+HK$811/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,638/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,943
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,317
−HK$380/mo
Today · 4.125%
HK$14,697
baseline
▲ 0.50% · 4.625%
HK$15,471
+HK$774/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,394/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,040
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,508
−HK$475/mo
Today · 4.125%
HK$15,983
baseline
▲ 0.50% · 4.625%
HK$16,956
+HK$973/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$31,966/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,732
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,181
−HK$455/mo
Today · 4.125%
HK$17,636
baseline
▲ 0.50% · 4.625%
HK$18,565
+HK$929/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,272/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,547
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,093
−HK$554/mo
Today · 4.125%
HK$18,647
baseline
▲ 0.50% · 4.625%
HK$19,782
+HK$1,135/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,294/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,521
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,044
−HK$531/mo
Today · 4.125%
HK$20,575
baseline
▲ 0.50% · 4.625%
HK$21,660
+HK$1,085/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,150/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,560
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,262
−HK$713/mo
Today · 4.125%
HK$23,975
baseline
▲ 0.50% · 4.625%
HK$25,434
+HK$1,459/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$47,950/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,098
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,771
−HK$683/mo
Today · 4.125%
HK$26,454
baseline
▲ 0.50% · 4.625%
HK$27,848
+HK$1,394/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$52,908/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,671 · 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).