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$12,539
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,929
−HK$396/mo
Today · 4.125%
HK$13,325
baseline
▲ 0.50% · 4.625%
HK$14,136
+HK$811/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,650/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,949
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,324
−HK$379/mo
Today · 4.125%
HK$14,703
baseline
▲ 0.50% · 4.625%
HK$15,478
+HK$775/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,406/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,047
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,515
−HK$475/mo
Today · 4.125%
HK$15,990
baseline
▲ 0.50% · 4.625%
HK$16,963
+HK$973/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$31,980/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,739
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,188
−HK$456/mo
Today · 4.125%
HK$17,644
baseline
▲ 0.50% · 4.625%
HK$18,574
+HK$930/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,288/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,554
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,101
−HK$554/mo
Today · 4.125%
HK$18,655
baseline
▲ 0.50% · 4.625%
HK$19,790
+HK$1,135/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,310/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,529
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,053
−HK$531/mo
Today · 4.125%
HK$20,584
baseline
▲ 0.50% · 4.625%
HK$21,669
+HK$1,085/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,168/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,570
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,272
−HK$713/mo
Today · 4.125%
HK$23,985
baseline
▲ 0.50% · 4.625%
HK$25,445
+HK$1,460/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$47,970/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,109
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,782
−HK$684/mo
Today · 4.125%
HK$26,466
baseline
▲ 0.50% · 4.625%
HK$27,861
+HK$1,395/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$52,932/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,726 · 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).