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$12,530
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,920
−HK$396/mo
Today · 4.125%
HK$13,316
baseline
▲ 0.50% · 4.625%
HK$14,126
+HK$810/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,632/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,940
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,314
−HK$379/mo
Today · 4.125%
HK$14,693
baseline
▲ 0.50% · 4.625%
HK$15,467
+HK$774/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,386/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,036
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,504
−HK$475/mo
Today · 4.125%
HK$15,979
baseline
▲ 0.50% · 4.625%
HK$16,951
+HK$972/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$31,958/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,728
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,176
−HK$455/mo
Today · 4.125%
HK$17,631
baseline
▲ 0.50% · 4.625%
HK$18,561
+HK$930/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,262/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,542
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,088
−HK$554/mo
Today · 4.125%
HK$18,642
baseline
▲ 0.50% · 4.625%
HK$19,777
+HK$1,135/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,284/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,516
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,039
−HK$531/mo
Today · 4.125%
HK$20,570
baseline
▲ 0.50% · 4.625%
HK$21,654
+HK$1,084/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,140/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,554
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,256
−HK$713/mo
Today · 4.125%
HK$23,969
baseline
▲ 0.50% · 4.625%
HK$25,427
+HK$1,458/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$47,938/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,091
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,764
−HK$683/mo
Today · 4.125%
HK$26,447
baseline
▲ 0.50% · 4.625%
HK$27,841
+HK$1,394/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$52,894/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,640 · 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).