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$12,708
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,104
−HK$401/mo
Today · 4.125%
HK$13,505
baseline
▲ 0.50% · 4.625%
HK$14,327
+HK$822/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,010/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,138
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,517
−HK$385/mo
Today · 4.125%
HK$14,902
baseline
▲ 0.50% · 4.625%
HK$15,687
+HK$785/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,804/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,250
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,724
−HK$482/mo
Today · 4.125%
HK$16,206
baseline
▲ 0.50% · 4.625%
HK$17,192
+HK$986/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,412/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,965
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,420
−HK$462/mo
Today · 4.125%
HK$17,882
baseline
▲ 0.50% · 4.625%
HK$18,825
+HK$943/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,764/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,792
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,345
−HK$562/mo
Today · 4.125%
HK$18,907
baseline
▲ 0.50% · 4.625%
HK$20,058
+HK$1,151/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,814/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,793
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,324
−HK$538/mo
Today · 4.125%
HK$20,862
baseline
▲ 0.50% · 4.625%
HK$21,962
+HK$1,100/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,724/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,875
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,586
−HK$723/mo
Today · 4.125%
HK$24,309
baseline
▲ 0.50% · 4.625%
HK$25,789
+HK$1,480/mo
Deposit HK$557K · loan HK$5.02M · min. income ≈ HK$48,618/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,448
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,131
−HK$692/mo
Today · 4.125%
HK$26,823
baseline
▲ 0.50% · 4.625%
HK$28,237
+HK$1,414/mo
Deposit HK$557K · loan HK$5.02M · min. income ≈ HK$53,646/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,397 · 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).