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$12,545
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,935
−HK$397/mo
Today · 4.125%
HK$13,332
baseline
▲ 0.50% · 4.625%
HK$14,143
+HK$811/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,664/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,956
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,331
−HK$379/mo
Today · 4.125%
HK$14,710
baseline
▲ 0.50% · 4.625%
HK$15,486
+HK$776/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,420/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,054
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,522
−HK$476/mo
Today · 4.125%
HK$15,998
baseline
▲ 0.50% · 4.625%
HK$16,972
+HK$974/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$31,996/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,748
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,197
−HK$455/mo
Today · 4.125%
HK$17,652
baseline
▲ 0.50% · 4.625%
HK$18,583
+HK$931/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,304/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,563
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,109
−HK$555/mo
Today · 4.125%
HK$18,664
baseline
▲ 0.50% · 4.625%
HK$19,800
+HK$1,136/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,328/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,539
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,063
−HK$531/mo
Today · 4.125%
HK$20,594
baseline
▲ 0.50% · 4.625%
HK$21,680
+HK$1,086/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,188/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,581
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,284
−HK$713/mo
Today · 4.125%
HK$23,997
baseline
▲ 0.50% · 4.625%
HK$25,457
+HK$1,460/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$47,994/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,121
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,795
−HK$684/mo
Today · 4.125%
HK$26,479
baseline
▲ 0.50% · 4.625%
HK$27,874
+HK$1,395/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$52,958/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,787 · 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).