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$12,536
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,926
−HK$396/mo
Today · 4.125%
HK$13,322
baseline
▲ 0.50% · 4.625%
HK$14,133
+HK$811/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,644/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,946
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,320
−HK$380/mo
Today · 4.125%
HK$14,700
baseline
▲ 0.50% · 4.625%
HK$15,475
+HK$775/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,400/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,043
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,511
−HK$476/mo
Today · 4.125%
HK$15,987
baseline
▲ 0.50% · 4.625%
HK$16,959
+HK$972/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$31,974/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,735
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,184
−HK$456/mo
Today · 4.125%
HK$17,640
baseline
▲ 0.50% · 4.625%
HK$18,569
+HK$929/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,280/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,550
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,096
−HK$555/mo
Today · 4.125%
HK$18,651
baseline
▲ 0.50% · 4.625%
HK$19,786
+HK$1,135/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,302/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,525
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,048
−HK$532/mo
Today · 4.125%
HK$20,580
baseline
▲ 0.50% · 4.625%
HK$21,664
+HK$1,084/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,160/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,565
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,267
−HK$713/mo
Today · 4.125%
HK$23,980
baseline
▲ 0.50% · 4.625%
HK$25,439
+HK$1,459/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$47,960/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,103
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,776
−HK$683/mo
Today · 4.125%
HK$26,459
baseline
▲ 0.50% · 4.625%
HK$27,854
+HK$1,395/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$52,918/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,698 · 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).