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$12,715
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,111
−HK$401/mo
Today · 4.125%
HK$13,512
baseline
▲ 0.50% · 4.625%
HK$14,335
+HK$823/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,024/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,145
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,525
−HK$385/mo
Today · 4.125%
HK$14,910
baseline
▲ 0.50% · 4.625%
HK$15,696
+HK$786/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,820/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,258
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,733
−HK$482/mo
Today · 4.125%
HK$16,215
baseline
▲ 0.50% · 4.625%
HK$17,202
+HK$987/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$32,430/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,975
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,430
−HK$462/mo
Today · 4.125%
HK$17,892
baseline
▲ 0.50% · 4.625%
HK$18,835
+HK$943/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$35,784/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,801
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,355
−HK$562/mo
Today · 4.125%
HK$18,917
baseline
▲ 0.50% · 4.625%
HK$20,069
+HK$1,152/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,834/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,804
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,335
−HK$539/mo
Today · 4.125%
HK$20,874
baseline
▲ 0.50% · 4.625%
HK$21,974
+HK$1,100/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,748/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,887
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,599
−HK$723/mo
Today · 4.125%
HK$24,322
baseline
▲ 0.50% · 4.625%
HK$25,802
+HK$1,480/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$48,644/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,462
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,145
−HK$692/mo
Today · 4.125%
HK$26,837
baseline
▲ 0.50% · 4.625%
HK$28,252
+HK$1,415/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$53,674/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,464 · 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).