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$12,690
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,084
−HK$401/mo
Today · 4.125%
HK$13,485
baseline
▲ 0.50% · 4.625%
HK$14,306
+HK$821/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,970/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,117
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,496
−HK$384/mo
Today · 4.125%
HK$14,880
baseline
▲ 0.50% · 4.625%
HK$15,664
+HK$784/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,760/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,228
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,701
−HK$482/mo
Today · 4.125%
HK$16,183
baseline
▲ 0.50% · 4.625%
HK$17,167
+HK$984/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,366/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,941
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,395
−HK$461/mo
Today · 4.125%
HK$17,856
baseline
▲ 0.50% · 4.625%
HK$18,797
+HK$941/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,712/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,766
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,318
−HK$562/mo
Today · 4.125%
HK$18,880
baseline
▲ 0.50% · 4.625%
HK$20,028
+HK$1,148/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,760/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,764
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,294
−HK$538/mo
Today · 4.125%
HK$20,832
baseline
▲ 0.50% · 4.625%
HK$21,930
+HK$1,098/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,664/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,841
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,552
−HK$722/mo
Today · 4.125%
HK$24,274
baseline
▲ 0.50% · 4.625%
HK$25,751
+HK$1,477/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$48,548/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,411
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,092
−HK$692/mo
Today · 4.125%
HK$26,784
baseline
▲ 0.50% · 4.625%
HK$28,196
+HK$1,412/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$53,568/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,214 · 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).