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$12,719
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,115
−HK$402/mo
Today · 4.125%
HK$13,517
baseline
▲ 0.50% · 4.625%
HK$14,339
+HK$822/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,034/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,150
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,530
−HK$385/mo
Today · 4.125%
HK$14,915
baseline
▲ 0.50% · 4.625%
HK$15,701
+HK$786/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,830/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,263
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,738
−HK$482/mo
Today · 4.125%
HK$16,220
baseline
▲ 0.50% · 4.625%
HK$17,207
+HK$987/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$32,440/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,980
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,436
−HK$462/mo
Today · 4.125%
HK$17,898
baseline
▲ 0.50% · 4.625%
HK$18,841
+HK$943/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$35,796/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,807
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,361
−HK$563/mo
Today · 4.125%
HK$18,924
baseline
▲ 0.50% · 4.625%
HK$20,075
+HK$1,151/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,848/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,810
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,342
−HK$539/mo
Today · 4.125%
HK$20,881
baseline
▲ 0.50% · 4.625%
HK$21,981
+HK$1,100/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,762/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,895
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,607
−HK$724/mo
Today · 4.125%
HK$24,331
baseline
▲ 0.50% · 4.625%
HK$25,811
+HK$1,480/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$48,662/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,470
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,153
−HK$693/mo
Today · 4.125%
HK$26,846
baseline
▲ 0.50% · 4.625%
HK$28,261
+HK$1,415/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$53,692/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,506 · 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).