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$12,545
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,935
−HK$396/mo
Today · 4.125%
HK$13,331
baseline
▲ 0.50% · 4.625%
HK$14,143
+HK$812/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$26,662/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,956
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,330
−HK$380/mo
Today · 4.125%
HK$14,710
baseline
▲ 0.50% · 4.625%
HK$15,485
+HK$775/mo
Deposit HK$2.75M · loan HK$2.75M · min. income ≈ HK$29,420/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,054
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,522
−HK$476/mo
Today · 4.125%
HK$15,998
baseline
▲ 0.50% · 4.625%
HK$16,971
+HK$973/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$31,996/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,747
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,196
−HK$456/mo
Today · 4.125%
HK$17,652
baseline
▲ 0.50% · 4.625%
HK$18,582
+HK$930/mo
Deposit HK$2.20M · loan HK$3.30M · min. income ≈ HK$35,304/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,563
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,109
−HK$555/mo
Today · 4.125%
HK$18,664
baseline
▲ 0.50% · 4.625%
HK$19,800
+HK$1,136/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$37,328/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,538
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,062
−HK$532/mo
Today · 4.125%
HK$20,594
baseline
▲ 0.50% · 4.625%
HK$21,679
+HK$1,085/mo
Deposit HK$1.65M · loan HK$3.85M · min. income ≈ HK$41,188/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,581
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,283
−HK$714/mo
Today · 4.125%
HK$23,997
baseline
▲ 0.50% · 4.625%
HK$25,457
+HK$1,460/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$47,994/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,121
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,794
−HK$684/mo
Today · 4.125%
HK$26,478
baseline
▲ 0.50% · 4.625%
HK$27,874
+HK$1,396/mo
Deposit HK$550K · loan HK$4.95M · min. income ≈ HK$52,956/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$123,784 · 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).