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$12,673
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,067
−HK$400/mo
Today · 4.125%
HK$13,467
baseline
▲ 0.50% · 4.625%
HK$14,287
+HK$820/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,934/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$125,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,098
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,476
−HK$384/mo
Today · 4.125%
HK$14,860
baseline
▲ 0.50% · 4.625%
HK$15,643
+HK$783/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,720/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$125,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,207
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,680
−HK$481/mo
Today · 4.125%
HK$16,161
baseline
▲ 0.50% · 4.625%
HK$17,144
+HK$983/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,322/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,918
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,372
−HK$460/mo
Today · 4.125%
HK$17,832
baseline
▲ 0.50% · 4.625%
HK$18,772
+HK$940/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,664/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,742
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,294
−HK$560/mo
Today · 4.125%
HK$18,854
baseline
▲ 0.50% · 4.625%
HK$20,002
+HK$1,148/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,708/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,738
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,267
−HK$537/mo
Today · 4.125%
HK$20,804
baseline
▲ 0.50% · 4.625%
HK$21,901
+HK$1,097/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,608/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,811
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,520
−HK$721/mo
Today · 4.125%
HK$24,241
baseline
▲ 0.50% · 4.625%
HK$25,716
+HK$1,475/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$48,482/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,377
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,057
−HK$691/mo
Today · 4.125%
HK$26,748
baseline
▲ 0.50% · 4.625%
HK$28,158
+HK$1,410/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$53,496/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,046 · 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).