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$12,731
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,127
−HK$403/mo
Today · 4.125%
HK$13,530
baseline
▲ 0.50% · 4.625%
HK$14,353
+HK$823/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,060/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,163
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,543
−HK$386/mo
Today · 4.125%
HK$14,929
baseline
▲ 0.50% · 4.625%
HK$15,716
+HK$787/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,858/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,278
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,753
−HK$483/mo
Today · 4.125%
HK$16,236
baseline
▲ 0.50% · 4.625%
HK$17,223
+HK$987/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$32,472/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,996
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,452
−HK$462/mo
Today · 4.125%
HK$17,914
baseline
▲ 0.50% · 4.625%
HK$18,859
+HK$945/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$35,828/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,824
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,378
−HK$563/mo
Today · 4.125%
HK$18,941
baseline
▲ 0.50% · 4.625%
HK$20,094
+HK$1,153/mo
Deposit HK$1.67M · loan HK$3.91M · min. income ≈ HK$37,882/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,829
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,361
−HK$539/mo
Today · 4.125%
HK$20,900
baseline
▲ 0.50% · 4.625%
HK$22,002
+HK$1,102/mo
Deposit HK$1.67M · loan HK$3.91M · min. income ≈ HK$41,800/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,916
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,629
−HK$724/mo
Today · 4.125%
HK$24,353
baseline
▲ 0.50% · 4.625%
HK$25,835
+HK$1,482/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$48,706/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,494
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,178
−HK$693/mo
Today · 4.125%
HK$26,871
baseline
▲ 0.50% · 4.625%
HK$28,288
+HK$1,417/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$53,742/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,624 · 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).