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$12,724
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,119
−HK$402/mo
Today · 4.125%
HK$13,521
baseline
▲ 0.50% · 4.625%
HK$14,344
+HK$823/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,042/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,155
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,534
−HK$386/mo
Today · 4.125%
HK$14,920
baseline
▲ 0.50% · 4.625%
HK$15,706
+HK$786/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,840/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,268
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,743
−HK$483/mo
Today · 4.125%
HK$16,226
baseline
▲ 0.50% · 4.625%
HK$17,213
+HK$987/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$32,452/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,986
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,441
−HK$462/mo
Today · 4.125%
HK$17,903
baseline
▲ 0.50% · 4.625%
HK$18,847
+HK$944/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$35,806/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,813
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,367
−HK$563/mo
Today · 4.125%
HK$18,930
baseline
▲ 0.50% · 4.625%
HK$20,082
+HK$1,152/mo
Deposit HK$1.67M · loan HK$3.91M · min. income ≈ HK$37,860/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,817
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,348
−HK$539/mo
Today · 4.125%
HK$20,887
baseline
▲ 0.50% · 4.625%
HK$21,988
+HK$1,101/mo
Deposit HK$1.67M · loan HK$3.91M · min. income ≈ HK$41,774/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,902
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,615
−HK$724/mo
Today · 4.125%
HK$24,339
baseline
▲ 0.50% · 4.625%
HK$25,820
+HK$1,481/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$48,678/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,479
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,162
−HK$693/mo
Today · 4.125%
HK$26,855
baseline
▲ 0.50% · 4.625%
HK$28,271
+HK$1,416/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$53,710/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,548 · 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).