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$12,538
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,928
−HK$396/mo
Today · 4.125%
HK$13,324
baseline
▲ 0.50% · 4.625%
HK$14,135
+HK$811/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,648/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,948
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,322
−HK$380/mo
Today · 4.125%
HK$14,702
baseline
▲ 0.50% · 4.625%
HK$15,476
+HK$774/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,404/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,045
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,513
−HK$476/mo
Today · 4.125%
HK$15,989
baseline
▲ 0.50% · 4.625%
HK$16,961
+HK$972/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$31,978/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,738
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,186
−HK$456/mo
Today · 4.125%
HK$17,642
baseline
▲ 0.50% · 4.625%
HK$18,572
+HK$930/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,284/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,553
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,099
−HK$554/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$123,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,527
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,051
−HK$531/mo
Today · 4.125%
HK$20,582
baseline
▲ 0.50% · 4.625%
HK$21,667
+HK$1,085/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,164/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,568
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,270
−HK$713/mo
Today · 4.125%
HK$23,983
baseline
▲ 0.50% · 4.625%
HK$25,442
+HK$1,459/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$47,966/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,106
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,780
−HK$683/mo
Today · 4.125%
HK$26,463
baseline
▲ 0.50% · 4.625%
HK$27,858
+HK$1,395/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$52,926/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,713 · 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).