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$12,714
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,110
−HK$402/mo
Today · 4.125%
HK$13,512
baseline
▲ 0.50% · 4.625%
HK$14,334
+HK$822/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$125,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,145
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,524
−HK$385/mo
Today · 4.125%
HK$14,909
baseline
▲ 0.50% · 4.625%
HK$15,695
+HK$786/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,818/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,257
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,732
−HK$482/mo
Today · 4.125%
HK$16,214
baseline
▲ 0.50% · 4.625%
HK$17,201
+HK$987/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$32,428/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,973
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,429
−HK$462/mo
Today · 4.125%
HK$17,891
baseline
▲ 0.50% · 4.625%
HK$18,834
+HK$943/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$35,782/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,800
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,354
−HK$562/mo
Today · 4.125%
HK$18,916
baseline
▲ 0.50% · 4.625%
HK$20,067
+HK$1,151/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,832/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,802
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,333
−HK$539/mo
Today · 4.125%
HK$20,872
baseline
▲ 0.50% · 4.625%
HK$21,972
+HK$1,100/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,744/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,886
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,598
−HK$723/mo
Today · 4.125%
HK$24,321
baseline
▲ 0.50% · 4.625%
HK$25,801
+HK$1,480/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$48,642/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,460
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,143
−HK$693/mo
Today · 4.125%
HK$26,836
baseline
▲ 0.50% · 4.625%
HK$28,250
+HK$1,414/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$53,672/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,457 · 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).