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$12,539
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,929
−HK$397/mo
Today · 4.125%
HK$13,326
baseline
▲ 0.50% · 4.625%
HK$14,136
+HK$810/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,652/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,950
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,324
−HK$380/mo
Today · 4.125%
HK$14,704
baseline
▲ 0.50% · 4.625%
HK$15,479
+HK$775/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,408/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,047
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,515
−HK$476/mo
Today · 4.125%
HK$15,991
baseline
▲ 0.50% · 4.625%
HK$16,964
+HK$973/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$31,982/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,740
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,189
−HK$455/mo
Today · 4.125%
HK$17,644
baseline
▲ 0.50% · 4.625%
HK$18,574
+HK$930/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,288/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,555
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,101
−HK$555/mo
Today · 4.125%
HK$18,656
baseline
▲ 0.50% · 4.625%
HK$19,791
+HK$1,135/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,312/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,530
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,054
−HK$531/mo
Today · 4.125%
HK$20,585
baseline
▲ 0.50% · 4.625%
HK$21,670
+HK$1,085/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,170/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,571
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,273
−HK$713/mo
Today · 4.125%
HK$23,986
baseline
▲ 0.50% · 4.625%
HK$25,446
+HK$1,460/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$47,972/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,110
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,783
−HK$683/mo
Today · 4.125%
HK$26,466
baseline
▲ 0.50% · 4.625%
HK$27,861
+HK$1,395/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$52,932/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,730 · 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).