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$12,719
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,114
−HK$402/mo
Today · 4.125%
HK$13,516
baseline
▲ 0.50% · 4.625%
HK$14,339
+HK$823/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,032/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,149
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,529
−HK$385/mo
Today · 4.125%
HK$14,914
baseline
▲ 0.50% · 4.625%
HK$15,700
+HK$786/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,828/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,263
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,737
−HK$483/mo
Today · 4.125%
HK$16,220
baseline
▲ 0.50% · 4.625%
HK$17,207
+HK$987/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$32,440/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,979
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,435
−HK$462/mo
Today · 4.125%
HK$17,897
baseline
▲ 0.50% · 4.625%
HK$18,840
+HK$943/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$35,794/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,806
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,360
−HK$563/mo
Today · 4.125%
HK$18,923
baseline
▲ 0.50% · 4.625%
HK$20,074
+HK$1,151/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,846/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,809
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,341
−HK$539/mo
Today · 4.125%
HK$20,880
baseline
▲ 0.50% · 4.625%
HK$21,980
+HK$1,100/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,760/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,894
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,606
−HK$723/mo
Today · 4.125%
HK$24,329
baseline
▲ 0.50% · 4.625%
HK$25,810
+HK$1,481/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$48,658/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,469
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,152
−HK$693/mo
Today · 4.125%
HK$26,845
baseline
▲ 0.50% · 4.625%
HK$28,260
+HK$1,415/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$53,690/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,500 · 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).