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$12,547
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,937
−HK$397/mo
Today · 4.125%
HK$13,334
baseline
▲ 0.50% · 4.625%
HK$14,145
+HK$811/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,668/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,958
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,333
−HK$379/mo
Today · 4.125%
HK$14,712
baseline
▲ 0.50% · 4.625%
HK$15,488
+HK$776/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,424/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,056
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,525
−HK$476/mo
Today · 4.125%
HK$16,001
baseline
▲ 0.50% · 4.625%
HK$16,974
+HK$973/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$32,002/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,750
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,199
−HK$456/mo
Today · 4.125%
HK$17,655
baseline
▲ 0.50% · 4.625%
HK$18,586
+HK$931/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,310/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,566
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,112
−HK$555/mo
Today · 4.125%
HK$18,667
baseline
▲ 0.50% · 4.625%
HK$19,803
+HK$1,136/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,334/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,542
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,066
−HK$531/mo
Today · 4.125%
HK$20,597
baseline
▲ 0.50% · 4.625%
HK$21,683
+HK$1,086/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,194/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,585
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,287
−HK$714/mo
Today · 4.125%
HK$24,001
baseline
▲ 0.50% · 4.625%
HK$25,461
+HK$1,460/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$48,002/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,125
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,799
−HK$683/mo
Today · 4.125%
HK$26,482
baseline
▲ 0.50% · 4.625%
HK$27,878
+HK$1,396/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$52,964/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,805 · 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).