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$12,691
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,085
−HK$401/mo
Today · 4.125%
HK$13,486
baseline
▲ 0.50% · 4.625%
HK$14,307
+HK$821/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,972/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,118
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,497
−HK$384/mo
Today · 4.125%
HK$14,881
baseline
▲ 0.50% · 4.625%
HK$15,665
+HK$784/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,762/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,229
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,702
−HK$482/mo
Today · 4.125%
HK$16,184
baseline
▲ 0.50% · 4.625%
HK$17,168
+HK$984/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,368/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,942
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,396
−HK$461/mo
Today · 4.125%
HK$17,857
baseline
▲ 0.50% · 4.625%
HK$18,798
+HK$941/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,714/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,767
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,320
−HK$561/mo
Today · 4.125%
HK$18,881
baseline
▲ 0.50% · 4.625%
HK$20,030
+HK$1,149/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,762/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,765
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,296
−HK$537/mo
Today · 4.125%
HK$20,833
baseline
▲ 0.50% · 4.625%
HK$21,931
+HK$1,098/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,666/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,843
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,554
−HK$722/mo
Today · 4.125%
HK$24,276
baseline
▲ 0.50% · 4.625%
HK$25,753
+HK$1,477/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$48,552/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,413
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,094
−HK$692/mo
Today · 4.125%
HK$26,786
baseline
▲ 0.50% · 4.625%
HK$28,198
+HK$1,412/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$53,572/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,223 · 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).