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$12,546
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,936
−HK$397/mo
Today · 4.125%
HK$13,333
baseline
▲ 0.50% · 4.625%
HK$14,144
+HK$811/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,666/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,957
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,332
−HK$379/mo
Today · 4.125%
HK$14,711
baseline
▲ 0.50% · 4.625%
HK$15,487
+HK$776/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,422/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,055
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,523
−HK$476/mo
Today · 4.125%
HK$15,999
baseline
▲ 0.50% · 4.625%
HK$16,973
+HK$974/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$31,998/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,749
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,198
−HK$456/mo
Today · 4.125%
HK$17,654
baseline
▲ 0.50% · 4.625%
HK$18,584
+HK$930/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,308/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,564
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,111
−HK$555/mo
Today · 4.125%
HK$18,666
baseline
▲ 0.50% · 4.625%
HK$19,802
+HK$1,136/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,332/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,540
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,064
−HK$532/mo
Today · 4.125%
HK$20,596
baseline
▲ 0.50% · 4.625%
HK$21,681
+HK$1,085/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,192/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,583
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,285
−HK$714/mo
Today · 4.125%
HK$23,999
baseline
▲ 0.50% · 4.625%
HK$25,459
+HK$1,460/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$47,998/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,123
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,797
−HK$683/mo
Today · 4.125%
HK$26,480
baseline
▲ 0.50% · 4.625%
HK$27,876
+HK$1,396/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$52,960/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,795 · 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).