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$12,706
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,102
−HK$401/mo
Today · 4.125%
HK$13,503
baseline
▲ 0.50% · 4.625%
HK$14,325
+HK$822/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,006/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,136
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,515
−HK$384/mo
Today · 4.125%
HK$14,899
baseline
▲ 0.50% · 4.625%
HK$15,685
+HK$786/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,798/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,248
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,722
−HK$482/mo
Today · 4.125%
HK$16,204
baseline
▲ 0.50% · 4.625%
HK$17,190
+HK$986/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,408/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,963
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,418
−HK$461/mo
Today · 4.125%
HK$17,879
baseline
▲ 0.50% · 4.625%
HK$18,822
+HK$943/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,758/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,789
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,342
−HK$562/mo
Today · 4.125%
HK$18,904
baseline
▲ 0.50% · 4.625%
HK$20,055
+HK$1,151/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,808/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,790
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,321
−HK$538/mo
Today · 4.125%
HK$20,859
baseline
▲ 0.50% · 4.625%
HK$21,959
+HK$1,100/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,718/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,871
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,583
−HK$723/mo
Today · 4.125%
HK$24,306
baseline
▲ 0.50% · 4.625%
HK$25,785
+HK$1,479/mo
Deposit HK$557K · loan HK$5.02M · min. income ≈ HK$48,612/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,444
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,127
−HK$692/mo
Today · 4.125%
HK$26,819
baseline
▲ 0.50% · 4.625%
HK$28,232
+HK$1,413/mo
Deposit HK$557K · loan HK$5.02M · min. income ≈ HK$53,638/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,378 · 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).