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$12,538
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,928
−HK$397/mo
Today · 4.125%
HK$13,325
baseline
▲ 0.50% · 4.625%
HK$14,135
+HK$810/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,650/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,949
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,323
−HK$379/mo
Today · 4.125%
HK$14,702
baseline
▲ 0.50% · 4.625%
HK$15,477
+HK$775/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,404/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,046
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,514
−HK$475/mo
Today · 4.125%
HK$15,989
baseline
▲ 0.50% · 4.625%
HK$16,962
+HK$973/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$31,978/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,738
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,187
−HK$456/mo
Today · 4.125%
HK$17,643
baseline
▲ 0.50% · 4.625%
HK$18,573
+HK$930/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,286/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,554
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,100
−HK$554/mo
Today · 4.125%
HK$18,654
baseline
▲ 0.50% · 4.625%
HK$19,789
+HK$1,135/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,308/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,528
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,052
−HK$531/mo
Today · 4.125%
HK$20,583
baseline
▲ 0.50% · 4.625%
HK$21,668
+HK$1,085/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,166/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,569
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,271
−HK$713/mo
Today · 4.125%
HK$23,984
baseline
▲ 0.50% · 4.625%
HK$25,444
+HK$1,460/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$47,968/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,108
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,781
−HK$683/mo
Today · 4.125%
HK$26,464
baseline
▲ 0.50% · 4.625%
HK$27,859
+HK$1,395/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$52,928/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,720 · 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).