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$12,531
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,921
−HK$396/mo
Today · 4.125%
HK$13,317
baseline
▲ 0.50% · 4.625%
HK$14,128
+HK$811/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,634/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,941
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,315
−HK$379/mo
Today · 4.125%
HK$14,694
baseline
▲ 0.50% · 4.625%
HK$15,469
+HK$775/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,388/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,038
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,505
−HK$476/mo
Today · 4.125%
HK$15,981
baseline
▲ 0.50% · 4.625%
HK$16,953
+HK$972/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$31,962/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,729
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,178
−HK$455/mo
Today · 4.125%
HK$17,633
baseline
▲ 0.50% · 4.625%
HK$18,563
+HK$930/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,266/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,544
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,090
−HK$554/mo
Today · 4.125%
HK$18,644
baseline
▲ 0.50% · 4.625%
HK$19,779
+HK$1,135/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,288/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,518
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,041
−HK$531/mo
Today · 4.125%
HK$20,572
baseline
▲ 0.50% · 4.625%
HK$21,656
+HK$1,084/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,144/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,557
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,258
−HK$713/mo
Today · 4.125%
HK$23,971
baseline
▲ 0.50% · 4.625%
HK$25,430
+HK$1,459/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$47,942/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,094
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,767
−HK$683/mo
Today · 4.125%
HK$26,450
baseline
▲ 0.50% · 4.625%
HK$27,844
+HK$1,394/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$52,900/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,652 · 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).