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$12,699
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,094
−HK$401/mo
Today · 4.125%
HK$13,495
baseline
▲ 0.50% · 4.625%
HK$14,316
+HK$821/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,990/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,127
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,506
−HK$384/mo
Today · 4.125%
HK$14,890
baseline
▲ 0.50% · 4.625%
HK$15,675
+HK$785/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,780/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,238
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,712
−HK$482/mo
Today · 4.125%
HK$16,194
baseline
▲ 0.50% · 4.625%
HK$17,179
+HK$985/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,388/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,952
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,407
−HK$461/mo
Today · 4.125%
HK$17,868
baseline
▲ 0.50% · 4.625%
HK$18,810
+HK$942/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,736/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,778
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,331
−HK$562/mo
Today · 4.125%
HK$18,893
baseline
▲ 0.50% · 4.625%
HK$20,042
+HK$1,149/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,786/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,778
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,308
−HK$538/mo
Today · 4.125%
HK$20,846
baseline
▲ 0.50% · 4.625%
HK$21,945
+HK$1,099/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,692/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,857
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,568
−HK$723/mo
Today · 4.125%
HK$24,291
baseline
▲ 0.50% · 4.625%
HK$25,769
+HK$1,478/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$48,582/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,429
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,111
−HK$692/mo
Today · 4.125%
HK$26,803
baseline
▲ 0.50% · 4.625%
HK$28,215
+HK$1,412/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$53,606/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,302 · 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).