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$12,694
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,089
−HK$401/mo
Today · 4.125%
HK$13,490
baseline
▲ 0.50% · 4.625%
HK$14,311
+HK$821/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,980/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,122
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,501
−HK$384/mo
Today · 4.125%
HK$14,885
baseline
▲ 0.50% · 4.625%
HK$15,670
+HK$785/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,770/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,233
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,707
−HK$481/mo
Today · 4.125%
HK$16,188
baseline
▲ 0.50% · 4.625%
HK$17,173
+HK$985/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,376/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,947
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,401
−HK$461/mo
Today · 4.125%
HK$17,862
baseline
▲ 0.50% · 4.625%
HK$18,804
+HK$942/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,724/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,772
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,325
−HK$561/mo
Today · 4.125%
HK$18,886
baseline
▲ 0.50% · 4.625%
HK$20,036
+HK$1,150/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,772/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,771
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,301
−HK$538/mo
Today · 4.125%
HK$20,839
baseline
▲ 0.50% · 4.625%
HK$21,938
+HK$1,099/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,678/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,850
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,560
−HK$722/mo
Today · 4.125%
HK$24,282
baseline
▲ 0.50% · 4.625%
HK$25,760
+HK$1,478/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$48,564/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,420
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,102
−HK$691/mo
Today · 4.125%
HK$26,793
baseline
▲ 0.50% · 4.625%
HK$28,206
+HK$1,413/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$53,586/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,258 · 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).