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$12,532
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,922
−HK$396/mo
Today · 4.125%
HK$13,318
baseline
▲ 0.50% · 4.625%
HK$14,129
+HK$811/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,636/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,942
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,316
−HK$379/mo
Today · 4.125%
HK$14,695
baseline
▲ 0.50% · 4.625%
HK$15,470
+HK$775/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,390/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,039
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,507
−HK$475/mo
Today · 4.125%
HK$15,982
baseline
▲ 0.50% · 4.625%
HK$16,954
+HK$972/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$31,964/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,731
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,179
−HK$456/mo
Today · 4.125%
HK$17,635
baseline
▲ 0.50% · 4.625%
HK$18,564
+HK$929/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,270/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,545
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,091
−HK$555/mo
Today · 4.125%
HK$18,646
baseline
▲ 0.50% · 4.625%
HK$19,780
+HK$1,134/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,292/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,519
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,043
−HK$531/mo
Today · 4.125%
HK$20,574
baseline
▲ 0.50% · 4.625%
HK$21,658
+HK$1,084/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,148/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,558
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,260
−HK$713/mo
Today · 4.125%
HK$23,973
baseline
▲ 0.50% · 4.625%
HK$25,432
+HK$1,459/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$47,946/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,096
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,769
−HK$683/mo
Today · 4.125%
HK$26,452
baseline
▲ 0.50% · 4.625%
HK$27,846
+HK$1,394/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$52,904/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,662 · 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).