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$12,547
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,937
−HK$397/mo
Today · 4.125%
HK$13,334
baseline
▲ 0.50% · 4.625%
HK$14,145
+HK$811/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,668/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,958
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,332
−HK$380/mo
Today · 4.125%
HK$14,712
baseline
▲ 0.50% · 4.625%
HK$15,488
+HK$776/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,424/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,056
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,524
−HK$476/mo
Today · 4.125%
HK$16,000
baseline
▲ 0.50% · 4.625%
HK$16,974
+HK$974/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$32,000/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,750
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,199
−HK$456/mo
Today · 4.125%
HK$17,655
baseline
▲ 0.50% · 4.625%
HK$18,585
+HK$930/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,310/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,565
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,112
−HK$555/mo
Today · 4.125%
HK$18,667
baseline
▲ 0.50% · 4.625%
HK$19,803
+HK$1,136/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,334/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,541
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,065
−HK$532/mo
Today · 4.125%
HK$20,597
baseline
▲ 0.50% · 4.625%
HK$21,683
+HK$1,086/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,194/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,584
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,287
−HK$713/mo
Today · 4.125%
HK$24,000
baseline
▲ 0.50% · 4.625%
HK$25,461
+HK$1,461/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$48,000/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,125
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,798
−HK$684/mo
Today · 4.125%
HK$26,482
baseline
▲ 0.50% · 4.625%
HK$27,878
+HK$1,396/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$52,964/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,803 · 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).