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$12,551
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,941
−HK$397/mo
Today · 4.125%
HK$13,338
baseline
▲ 0.50% · 4.625%
HK$14,149
+HK$811/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,676/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,963
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,337
−HK$380/mo
Today · 4.125%
HK$14,717
baseline
▲ 0.50% · 4.625%
HK$15,493
+HK$776/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,434/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,061
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,529
−HK$476/mo
Today · 4.125%
HK$16,005
baseline
▲ 0.50% · 4.625%
HK$16,979
+HK$974/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$32,010/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,755
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,204
−HK$456/mo
Today · 4.125%
HK$17,660
baseline
▲ 0.50% · 4.625%
HK$18,591
+HK$931/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,320/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,571
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,118
−HK$555/mo
Today · 4.125%
HK$18,673
baseline
▲ 0.50% · 4.625%
HK$19,809
+HK$1,136/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,346/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,548
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,072
−HK$532/mo
Today · 4.125%
HK$20,604
baseline
▲ 0.50% · 4.625%
HK$21,690
+HK$1,086/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,208/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$123,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,591
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,294
−HK$714/mo
Today · 4.125%
HK$24,008
baseline
▲ 0.50% · 4.625%
HK$25,469
+HK$1,461/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$48,016/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,133
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,807
−HK$683/mo
Today · 4.125%
HK$26,490
baseline
▲ 0.50% · 4.625%
HK$27,887
+HK$1,397/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$52,980/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,843 · 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).