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$12,735
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,132
−HK$402/mo
Today · 4.125%
HK$13,534
baseline
▲ 0.50% · 4.625%
HK$14,358
+HK$824/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,068/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,168
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,548
−HK$385/mo
Today · 4.125%
HK$14,933
baseline
▲ 0.50% · 4.625%
HK$15,721
+HK$788/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,866/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,282
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,758
−HK$483/mo
Today · 4.125%
HK$16,241
baseline
▲ 0.50% · 4.625%
HK$17,229
+HK$988/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$32,482/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,002
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,458
−HK$462/mo
Today · 4.125%
HK$17,920
baseline
▲ 0.50% · 4.625%
HK$18,865
+HK$945/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$35,840/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,830
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,384
−HK$564/mo
Today · 4.125%
HK$18,948
baseline
▲ 0.50% · 4.625%
HK$20,101
+HK$1,153/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$37,896/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,835
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,367
−HK$540/mo
Today · 4.125%
HK$20,907
baseline
▲ 0.50% · 4.625%
HK$22,009
+HK$1,102/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$41,814/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,924
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,637
−HK$724/mo
Today · 4.125%
HK$24,361
baseline
▲ 0.50% · 4.625%
HK$25,844
+HK$1,483/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$48,722/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,502
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,186
−HK$694/mo
Today · 4.125%
HK$26,880
baseline
▲ 0.50% · 4.625%
HK$28,297
+HK$1,417/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$53,760/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,664 · 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).