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$12,534
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,924
−HK$396/mo
Today · 4.125%
HK$13,320
baseline
▲ 0.50% · 4.625%
HK$14,130
+HK$810/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,640/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,944
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,318
−HK$379/mo
Today · 4.125%
HK$14,697
baseline
▲ 0.50% · 4.625%
HK$15,472
+HK$775/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,394/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,041
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,509
−HK$475/mo
Today · 4.125%
HK$15,984
baseline
▲ 0.50% · 4.625%
HK$16,956
+HK$972/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$31,968/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,733
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,181
−HK$456/mo
Today · 4.125%
HK$17,637
baseline
▲ 0.50% · 4.625%
HK$18,566
+HK$929/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,274/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,547
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,093
−HK$555/mo
Today · 4.125%
HK$18,648
baseline
▲ 0.50% · 4.625%
HK$19,782
+HK$1,134/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,296/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,521
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,045
−HK$531/mo
Today · 4.125%
HK$20,576
baseline
▲ 0.50% · 4.625%
HK$21,661
+HK$1,085/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,152/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,561
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,263
−HK$713/mo
Today · 4.125%
HK$23,976
baseline
▲ 0.50% · 4.625%
HK$25,435
+HK$1,459/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$47,952/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,099
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,772
−HK$683/mo
Today · 4.125%
HK$26,455
baseline
▲ 0.50% · 4.625%
HK$27,849
+HK$1,394/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$52,910/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$123,676 · 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).