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$12,541
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,931
−HK$396/mo
Today · 4.125%
HK$13,327
baseline
▲ 0.50% · 4.625%
HK$14,138
+HK$811/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,654/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,952
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,326
−HK$379/mo
Today · 4.125%
HK$14,705
baseline
▲ 0.50% · 4.625%
HK$15,481
+HK$776/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,410/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,049
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,517
−HK$476/mo
Today · 4.125%
HK$15,993
baseline
▲ 0.50% · 4.625%
HK$16,966
+HK$973/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$31,986/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,742
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,191
−HK$455/mo
Today · 4.125%
HK$17,646
baseline
▲ 0.50% · 4.625%
HK$18,577
+HK$931/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,292/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,557
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,103
−HK$555/mo
Today · 4.125%
HK$18,658
baseline
▲ 0.50% · 4.625%
HK$19,794
+HK$1,136/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,316/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,532
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,056
−HK$532/mo
Today · 4.125%
HK$20,588
baseline
▲ 0.50% · 4.625%
HK$21,673
+HK$1,085/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,176/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,574
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,276
−HK$713/mo
Today · 4.125%
HK$23,989
baseline
▲ 0.50% · 4.625%
HK$25,449
+HK$1,460/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$47,978/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,113
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,786
−HK$684/mo
Today · 4.125%
HK$26,470
baseline
▲ 0.50% · 4.625%
HK$27,865
+HK$1,395/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$52,940/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,745 · 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).