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$12,746
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,143
−HK$403/mo
Today · 4.125%
HK$13,546
baseline
▲ 0.50% · 4.625%
HK$14,370
+HK$824/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,092/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,180
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,561
−HK$385/mo
Today · 4.125%
HK$14,946
baseline
▲ 0.50% · 4.625%
HK$15,734
+HK$788/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,892/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,296
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,772
−HK$483/mo
Today · 4.125%
HK$16,255
baseline
▲ 0.50% · 4.625%
HK$17,244
+HK$989/mo
Deposit HK$2.24M · loan HK$3.35M · min. income ≈ HK$32,510/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,016
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,473
−HK$463/mo
Today · 4.125%
HK$17,936
baseline
▲ 0.50% · 4.625%
HK$18,881
+HK$945/mo
Deposit HK$2.24M · loan HK$3.35M · min. income ≈ HK$35,872/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,845
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,400
−HK$564/mo
Today · 4.125%
HK$18,964
baseline
▲ 0.50% · 4.625%
HK$20,118
+HK$1,154/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$37,928/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,852
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,385
−HK$540/mo
Today · 4.125%
HK$20,925
baseline
▲ 0.50% · 4.625%
HK$22,028
+HK$1,103/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$41,850/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,944
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,657
−HK$725/mo
Today · 4.125%
HK$24,382
baseline
▲ 0.50% · 4.625%
HK$25,866
+HK$1,484/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$48,764/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,525
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,209
−HK$695/mo
Today · 4.125%
HK$26,904
baseline
▲ 0.50% · 4.625%
HK$28,322
+HK$1,418/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$53,808/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,774 · 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).