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$12,744
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,140
−HK$403/mo
Today · 4.125%
HK$13,543
baseline
▲ 0.50% · 4.625%
HK$14,367
+HK$824/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,086/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,177
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,557
−HK$386/mo
Today · 4.125%
HK$14,943
baseline
▲ 0.50% · 4.625%
HK$15,731
+HK$788/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,886/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,292
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,768
−HK$483/mo
Today · 4.125%
HK$16,251
baseline
▲ 0.50% · 4.625%
HK$17,240
+HK$989/mo
Deposit HK$2.24M · loan HK$3.35M · min. income ≈ HK$32,502/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,013
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,469
−HK$463/mo
Today · 4.125%
HK$17,932
baseline
▲ 0.50% · 4.625%
HK$18,877
+HK$945/mo
Deposit HK$2.24M · loan HK$3.35M · min. income ≈ HK$35,864/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,841
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,396
−HK$564/mo
Today · 4.125%
HK$18,960
baseline
▲ 0.50% · 4.625%
HK$20,114
+HK$1,154/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$37,920/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,848
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,380
−HK$540/mo
Today · 4.125%
HK$20,920
baseline
▲ 0.50% · 4.625%
HK$22,023
+HK$1,103/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$41,840/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,939
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,652
−HK$725/mo
Today · 4.125%
HK$24,377
baseline
▲ 0.50% · 4.625%
HK$25,860
+HK$1,483/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$48,754/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,519
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,203
−HK$695/mo
Today · 4.125%
HK$26,898
baseline
▲ 0.50% · 4.625%
HK$28,315
+HK$1,417/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$53,796/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,746 · 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).