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$12,671
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,065
−HK$400/mo
Today · 4.125%
HK$13,465
baseline
▲ 0.50% · 4.625%
HK$14,285
+HK$820/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,930/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$125,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,096
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,474
−HK$384/mo
Today · 4.125%
HK$14,858
baseline
▲ 0.50% · 4.625%
HK$15,641
+HK$783/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,716/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$125,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,205
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,678
−HK$480/mo
Today · 4.125%
HK$16,158
baseline
▲ 0.50% · 4.625%
HK$17,142
+HK$984/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,316/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,915
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,369
−HK$460/mo
Today · 4.125%
HK$17,829
baseline
▲ 0.50% · 4.625%
HK$18,769
+HK$940/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,658/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,739
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,291
−HK$560/mo
Today · 4.125%
HK$18,851
baseline
▲ 0.50% · 4.625%
HK$19,998
+HK$1,147/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,702/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,734
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,264
−HK$537/mo
Today · 4.125%
HK$20,801
baseline
▲ 0.50% · 4.625%
HK$21,897
+HK$1,096/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,602/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,807
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,517
−HK$720/mo
Today · 4.125%
HK$24,237
baseline
▲ 0.50% · 4.625%
HK$25,712
+HK$1,475/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$48,474/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,373
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,053
−HK$691/mo
Today · 4.125%
HK$26,744
baseline
▲ 0.50% · 4.625%
HK$28,153
+HK$1,409/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$53,488/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,026 · 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).