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$12,553
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,943
−HK$397/mo
Today · 4.125%
HK$13,340
baseline
▲ 0.50% · 4.625%
HK$14,151
+HK$811/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,680/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,965
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,339
−HK$380/mo
Today · 4.125%
HK$14,719
baseline
▲ 0.50% · 4.625%
HK$15,495
+HK$776/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,438/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,063
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,532
−HK$476/mo
Today · 4.125%
HK$16,008
baseline
▲ 0.50% · 4.625%
HK$16,982
+HK$974/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$32,016/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,758
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,207
−HK$456/mo
Today · 4.125%
HK$17,663
baseline
▲ 0.50% · 4.625%
HK$18,594
+HK$931/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,326/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,574
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,120
−HK$556/mo
Today · 4.125%
HK$18,676
baseline
▲ 0.50% · 4.625%
HK$19,812
+HK$1,136/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,352/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,550
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,075
−HK$532/mo
Today · 4.125%
HK$20,607
baseline
▲ 0.50% · 4.625%
HK$21,693
+HK$1,086/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,214/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,595
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,297
−HK$715/mo
Today · 4.125%
HK$24,012
baseline
▲ 0.50% · 4.625%
HK$25,473
+HK$1,461/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$48,024/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,136
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,810
−HK$684/mo
Today · 4.125%
HK$26,494
baseline
▲ 0.50% · 4.625%
HK$27,891
+HK$1,397/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$52,988/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,861 · 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).