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$12,702
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,097
−HK$402/mo
Today · 4.125%
HK$13,499
baseline
▲ 0.50% · 4.625%
HK$14,320
+HK$821/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$26,998/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,131
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,510
−HK$385/mo
Today · 4.125%
HK$14,895
baseline
▲ 0.50% · 4.625%
HK$15,680
+HK$785/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,790/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,243
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,717
−HK$482/mo
Today · 4.125%
HK$16,199
baseline
▲ 0.50% · 4.625%
HK$17,184
+HK$985/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,398/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,957
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,412
−HK$462/mo
Today · 4.125%
HK$17,874
baseline
▲ 0.50% · 4.625%
HK$18,816
+HK$942/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,748/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,783
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,336
−HK$562/mo
Today · 4.125%
HK$18,898
baseline
▲ 0.50% · 4.625%
HK$20,048
+HK$1,150/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,796/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,784
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,314
−HK$539/mo
Today · 4.125%
HK$20,853
baseline
▲ 0.50% · 4.625%
HK$21,952
+HK$1,099/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,706/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,864
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,575
−HK$723/mo
Today · 4.125%
HK$24,298
baseline
▲ 0.50% · 4.625%
HK$25,776
+HK$1,478/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$48,596/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,436
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,118
−HK$692/mo
Today · 4.125%
HK$26,810
baseline
▲ 0.50% · 4.625%
HK$28,224
+HK$1,414/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$53,620/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,339 · 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).