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$12,542
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,932
−HK$396/mo
Today · 4.125%
HK$13,328
baseline
▲ 0.50% · 4.625%
HK$14,139
+HK$811/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,656/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,953
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,327
−HK$379/mo
Today · 4.125%
HK$14,706
baseline
▲ 0.50% · 4.625%
HK$15,482
+HK$776/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,412/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,050
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,518
−HK$476/mo
Today · 4.125%
HK$15,994
baseline
▲ 0.50% · 4.625%
HK$16,967
+HK$973/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$31,988/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,743
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,192
−HK$456/mo
Today · 4.125%
HK$17,648
baseline
▲ 0.50% · 4.625%
HK$18,578
+HK$930/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,296/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,558
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,105
−HK$554/mo
Today · 4.125%
HK$18,659
baseline
▲ 0.50% · 4.625%
HK$19,795
+HK$1,136/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,318/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,534
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,057
−HK$532/mo
Today · 4.125%
HK$20,589
baseline
▲ 0.50% · 4.625%
HK$21,674
+HK$1,085/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,178/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,575
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,277
−HK$714/mo
Today · 4.125%
HK$23,991
baseline
▲ 0.50% · 4.625%
HK$25,451
+HK$1,460/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$47,982/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,115
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,788
−HK$683/mo
Today · 4.125%
HK$26,471
baseline
▲ 0.50% · 4.625%
HK$27,867
+HK$1,396/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$52,942/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,753 · 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).