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$12,711
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,106
−HK$402/mo
Today · 4.125%
HK$13,508
baseline
▲ 0.50% · 4.625%
HK$14,330
+HK$822/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,016/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,141
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,520
−HK$385/mo
Today · 4.125%
HK$14,905
baseline
▲ 0.50% · 4.625%
HK$15,690
+HK$785/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,810/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,253
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,727
−HK$482/mo
Today · 4.125%
HK$16,209
baseline
▲ 0.50% · 4.625%
HK$17,196
+HK$987/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,418/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,969
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,424
−HK$461/mo
Today · 4.125%
HK$17,885
baseline
▲ 0.50% · 4.625%
HK$18,828
+HK$943/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,770/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,795
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,349
−HK$562/mo
Today · 4.125%
HK$18,911
baseline
▲ 0.50% · 4.625%
HK$20,062
+HK$1,151/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,822/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,797
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,328
−HK$538/mo
Today · 4.125%
HK$20,866
baseline
▲ 0.50% · 4.625%
HK$21,966
+HK$1,100/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,732/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,879
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,591
−HK$723/mo
Today · 4.125%
HK$24,314
baseline
▲ 0.50% · 4.625%
HK$25,794
+HK$1,480/mo
Deposit HK$557K · loan HK$5.02M · min. income ≈ HK$48,628/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,453
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,136
−HK$692/mo
Today · 4.125%
HK$26,828
baseline
▲ 0.50% · 4.625%
HK$28,242
+HK$1,414/mo
Deposit HK$557K · loan HK$5.02M · min. income ≈ HK$53,656/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,422 · 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).