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$12,724
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,120
−HK$402/mo
Today · 4.125%
HK$13,522
baseline
▲ 0.50% · 4.625%
HK$14,345
+HK$823/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,044/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,156
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,535
−HK$386/mo
Today · 4.125%
HK$14,921
baseline
▲ 0.50% · 4.625%
HK$15,707
+HK$786/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,842/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,269
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,744
−HK$483/mo
Today · 4.125%
HK$16,227
baseline
▲ 0.50% · 4.625%
HK$17,214
+HK$987/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$32,454/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,987
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,442
−HK$463/mo
Today · 4.125%
HK$17,905
baseline
▲ 0.50% · 4.625%
HK$18,848
+HK$943/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$35,810/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,814
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,368
−HK$563/mo
Today · 4.125%
HK$18,931
baseline
▲ 0.50% · 4.625%
HK$20,083
+HK$1,152/mo
Deposit HK$1.67M · loan HK$3.91M · min. income ≈ HK$37,862/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,818
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,350
−HK$539/mo
Today · 4.125%
HK$20,889
baseline
▲ 0.50% · 4.625%
HK$21,990
+HK$1,101/mo
Deposit HK$1.67M · loan HK$3.91M · min. income ≈ HK$41,778/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,904
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,616
−HK$724/mo
Today · 4.125%
HK$24,340
baseline
▲ 0.50% · 4.625%
HK$25,821
+HK$1,481/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$48,680/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,480
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,164
−HK$693/mo
Today · 4.125%
HK$26,857
baseline
▲ 0.50% · 4.625%
HK$28,273
+HK$1,416/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$53,714/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,556 · 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).