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$12,684
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,079
−HK$401/mo
Today · 4.125%
HK$13,480
baseline
▲ 0.50% · 4.625%
HK$14,300
+HK$820/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,960/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,111
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,490
−HK$383/mo
Today · 4.125%
HK$14,873
baseline
▲ 0.50% · 4.625%
HK$15,657
+HK$784/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,746/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,221
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,695
−HK$481/mo
Today · 4.125%
HK$16,176
baseline
▲ 0.50% · 4.625%
HK$17,160
+HK$984/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,352/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,933
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,387
−HK$461/mo
Today · 4.125%
HK$17,848
baseline
▲ 0.50% · 4.625%
HK$18,789
+HK$941/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,696/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,758
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,310
−HK$562/mo
Today · 4.125%
HK$18,872
baseline
▲ 0.50% · 4.625%
HK$20,020
+HK$1,148/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,744/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,756
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,285
−HK$538/mo
Today · 4.125%
HK$20,823
baseline
▲ 0.50% · 4.625%
HK$21,920
+HK$1,097/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,646/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,832
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,542
−HK$721/mo
Today · 4.125%
HK$24,263
baseline
▲ 0.50% · 4.625%
HK$25,740
+HK$1,477/mo
Deposit HK$556K · loan HK$5.01M · min. income ≈ HK$48,526/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,400
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,081
−HK$691/mo
Today · 4.125%
HK$26,772
baseline
▲ 0.50% · 4.625%
HK$28,183
+HK$1,411/mo
Deposit HK$556K · loan HK$5.01M · min. income ≈ HK$53,544/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,160 · 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).