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$12,721
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,117
−HK$402/mo
Today · 4.125%
HK$13,519
baseline
▲ 0.50% · 4.625%
HK$14,341
+HK$822/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,038/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,152
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,531
−HK$385/mo
Today · 4.125%
HK$14,916
baseline
▲ 0.50% · 4.625%
HK$15,703
+HK$787/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,832/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,265
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,740
−HK$482/mo
Today · 4.125%
HK$16,222
baseline
▲ 0.50% · 4.625%
HK$17,209
+HK$987/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$32,444/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,982
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,438
−HK$462/mo
Today · 4.125%
HK$17,900
baseline
▲ 0.50% · 4.625%
HK$18,843
+HK$943/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$35,800/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,809
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,363
−HK$563/mo
Today · 4.125%
HK$18,926
baseline
▲ 0.50% · 4.625%
HK$20,078
+HK$1,152/mo
Deposit HK$1.67M · loan HK$3.91M · min. income ≈ HK$37,852/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,813
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,344
−HK$539/mo
Today · 4.125%
HK$20,883
baseline
▲ 0.50% · 4.625%
HK$21,984
+HK$1,101/mo
Deposit HK$1.67M · loan HK$3.91M · min. income ≈ HK$41,766/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,898
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,610
−HK$723/mo
Today · 4.125%
HK$24,333
baseline
▲ 0.50% · 4.625%
HK$25,814
+HK$1,481/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$48,666/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,473
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,156
−HK$693/mo
Today · 4.125%
HK$26,849
baseline
▲ 0.50% · 4.625%
HK$28,265
+HK$1,416/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$53,698/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,521 · 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).