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$12,550
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,940
−HK$397/mo
Today · 4.125%
HK$13,337
baseline
▲ 0.50% · 4.625%
HK$14,149
+HK$812/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,674/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,962
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,336
−HK$380/mo
Today · 4.125%
HK$14,716
baseline
▲ 0.50% · 4.625%
HK$15,492
+HK$776/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,432/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$123,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,060
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,528
−HK$476/mo
Today · 4.125%
HK$16,004
baseline
▲ 0.50% · 4.625%
HK$16,978
+HK$974/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$32,008/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,754
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,203
−HK$456/mo
Today · 4.125%
HK$17,659
baseline
▲ 0.50% · 4.625%
HK$18,590
+HK$931/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,318/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$123,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,570
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,117
−HK$555/mo
Today · 4.125%
HK$18,672
baseline
▲ 0.50% · 4.625%
HK$19,808
+HK$1,136/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,344/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,546
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,071
−HK$532/mo
Today · 4.125%
HK$20,603
baseline
▲ 0.50% · 4.625%
HK$21,688
+HK$1,085/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,206/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,590
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,293
−HK$714/mo
Today · 4.125%
HK$24,007
baseline
▲ 0.50% · 4.625%
HK$25,467
+HK$1,460/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$48,014/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,131
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,805
−HK$684/mo
Today · 4.125%
HK$26,489
baseline
▲ 0.50% · 4.625%
HK$27,885
+HK$1,396/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$52,978/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,835 · 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).