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$12,693
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,087
−HK$401/mo
Today · 4.125%
HK$13,488
baseline
▲ 0.50% · 4.625%
HK$14,309
+HK$821/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,976/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,120
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,499
−HK$384/mo
Today · 4.125%
HK$14,883
baseline
▲ 0.50% · 4.625%
HK$15,668
+HK$785/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,766/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,231
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,705
−HK$481/mo
Today · 4.125%
HK$16,186
baseline
▲ 0.50% · 4.625%
HK$17,171
+HK$985/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,372/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,944
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,399
−HK$461/mo
Today · 4.125%
HK$17,860
baseline
▲ 0.50% · 4.625%
HK$18,801
+HK$941/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,720/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,770
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,322
−HK$562/mo
Today · 4.125%
HK$18,884
baseline
▲ 0.50% · 4.625%
HK$20,033
+HK$1,149/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,768/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,768
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,299
−HK$537/mo
Today · 4.125%
HK$20,836
baseline
▲ 0.50% · 4.625%
HK$21,935
+HK$1,099/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,672/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,847
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,557
−HK$722/mo
Today · 4.125%
HK$24,279
baseline
▲ 0.50% · 4.625%
HK$25,757
+HK$1,478/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$48,558/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,417
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,098
−HK$692/mo
Today · 4.125%
HK$26,790
baseline
▲ 0.50% · 4.625%
HK$28,202
+HK$1,412/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$53,580/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,242 · 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).