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$12,701
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,096
−HK$402/mo
Today · 4.125%
HK$13,498
baseline
▲ 0.50% · 4.625%
HK$14,319
+HK$821/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$26,996/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,130
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,509
−HK$384/mo
Today · 4.125%
HK$14,893
baseline
▲ 0.50% · 4.625%
HK$15,678
+HK$785/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,786/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,241
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,715
−HK$482/mo
Today · 4.125%
HK$16,197
baseline
▲ 0.50% · 4.625%
HK$17,183
+HK$986/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,394/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,956
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,411
−HK$461/mo
Today · 4.125%
HK$17,872
baseline
▲ 0.50% · 4.625%
HK$18,814
+HK$942/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,744/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,782
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,335
−HK$562/mo
Today · 4.125%
HK$18,897
baseline
▲ 0.50% · 4.625%
HK$20,047
+HK$1,150/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,794/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,782
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,312
−HK$539/mo
Today · 4.125%
HK$20,851
baseline
▲ 0.50% · 4.625%
HK$21,950
+HK$1,099/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,702/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,862
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,573
−HK$723/mo
Today · 4.125%
HK$24,296
baseline
▲ 0.50% · 4.625%
HK$25,774
+HK$1,478/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$48,592/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,434
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,116
−HK$692/mo
Today · 4.125%
HK$26,808
baseline
▲ 0.50% · 4.625%
HK$28,221
+HK$1,413/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$53,616/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,327 · 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).