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$787/mo
▼ 0.25% · 3.875%
HK$12,933
−HK$396/mo
Today · 4.125%
HK$13,329
baseline
▲ 0.50% · 4.625%
HK$14,140
+HK$811/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,658/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,953
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,328
−HK$379/mo
Today · 4.125%
HK$14,707
baseline
▲ 0.50% · 4.625%
HK$15,482
+HK$775/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,414/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,051
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,519
−HK$476/mo
Today · 4.125%
HK$15,995
baseline
▲ 0.50% · 4.625%
HK$16,968
+HK$973/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$31,990/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,744
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,193
−HK$456/mo
Today · 4.125%
HK$17,649
baseline
▲ 0.50% · 4.625%
HK$18,579
+HK$930/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,298/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,559
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,106
−HK$555/mo
Today · 4.125%
HK$18,661
baseline
▲ 0.50% · 4.625%
HK$19,796
+HK$1,135/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,322/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,535
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,059
−HK$531/mo
Today · 4.125%
HK$20,590
baseline
▲ 0.50% · 4.625%
HK$21,675
+HK$1,085/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,180/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,576
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,279
−HK$713/mo
Today · 4.125%
HK$23,992
baseline
▲ 0.50% · 4.625%
HK$25,452
+HK$1,460/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$47,984/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,116
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,790
−HK$683/mo
Today · 4.125%
HK$26,473
baseline
▲ 0.50% · 4.625%
HK$27,868
+HK$1,395/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$52,946/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,761 · 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).