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$12,716
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,111
−HK$402/mo
Today · 4.125%
HK$13,513
baseline
▲ 0.50% · 4.625%
HK$14,335
+HK$822/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,026/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,146
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,525
−HK$385/mo
Today · 4.125%
HK$14,910
baseline
▲ 0.50% · 4.625%
HK$15,696
+HK$786/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,820/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,259
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,733
−HK$483/mo
Today · 4.125%
HK$16,216
baseline
▲ 0.50% · 4.625%
HK$17,202
+HK$986/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$32,432/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,975
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,431
−HK$461/mo
Today · 4.125%
HK$17,892
baseline
▲ 0.50% · 4.625%
HK$18,836
+HK$944/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$35,784/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,802
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,356
−HK$562/mo
Today · 4.125%
HK$18,918
baseline
▲ 0.50% · 4.625%
HK$20,069
+HK$1,151/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,836/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,805
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,336
−HK$539/mo
Today · 4.125%
HK$20,875
baseline
▲ 0.50% · 4.625%
HK$21,975
+HK$1,100/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,750/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,888
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,600
−HK$724/mo
Today · 4.125%
HK$24,324
baseline
▲ 0.50% · 4.625%
HK$25,804
+HK$1,480/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$48,648/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,463
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,146
−HK$693/mo
Today · 4.125%
HK$26,839
baseline
▲ 0.50% · 4.625%
HK$28,253
+HK$1,414/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$53,678/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,470 · 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).