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$12,549
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,939
−HK$396/mo
Today · 4.125%
HK$13,335
baseline
▲ 0.50% · 4.625%
HK$14,147
+HK$812/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,670/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,960
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,335
−HK$379/mo
Today · 4.125%
HK$14,714
baseline
▲ 0.50% · 4.625%
HK$15,490
+HK$776/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,428/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,058
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,527
−HK$476/mo
Today · 4.125%
HK$16,003
baseline
▲ 0.50% · 4.625%
HK$16,976
+HK$973/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$32,006/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,752
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,201
−HK$456/mo
Today · 4.125%
HK$17,657
baseline
▲ 0.50% · 4.625%
HK$18,588
+HK$931/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,314/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,568
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,114
−HK$556/mo
Today · 4.125%
HK$18,670
baseline
▲ 0.50% · 4.625%
HK$19,806
+HK$1,136/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,340/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,544
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,068
−HK$532/mo
Today · 4.125%
HK$20,600
baseline
▲ 0.50% · 4.625%
HK$21,686
+HK$1,086/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,200/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,587
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,290
−HK$714/mo
Today · 4.125%
HK$24,004
baseline
▲ 0.50% · 4.625%
HK$25,464
+HK$1,460/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$48,008/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,128
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,802
−HK$684/mo
Today · 4.125%
HK$26,486
baseline
▲ 0.50% · 4.625%
HK$27,882
+HK$1,396/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$52,972/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,821 · 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).