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$798/mo
▼ 0.25% · 3.875%
HK$13,112
−HK$402/mo
Today · 4.125%
HK$13,514
baseline
▲ 0.50% · 4.625%
HK$14,336
+HK$822/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,028/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,147
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,526
−HK$385/mo
Today · 4.125%
HK$14,911
baseline
▲ 0.50% · 4.625%
HK$15,697
+HK$786/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,822/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,260
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,734
−HK$482/mo
Today · 4.125%
HK$16,216
baseline
▲ 0.50% · 4.625%
HK$17,203
+HK$987/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$125,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,976
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,431
−HK$462/mo
Today · 4.125%
HK$17,893
baseline
▲ 0.50% · 4.625%
HK$18,836
+HK$943/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$35,786/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,803
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,357
−HK$562/mo
Today · 4.125%
HK$18,919
baseline
▲ 0.50% · 4.625%
HK$20,070
+HK$1,151/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,838/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,805
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,337
−HK$538/mo
Today · 4.125%
HK$20,875
baseline
▲ 0.50% · 4.625%
HK$21,976
+HK$1,101/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$125,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,889
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,601
−HK$724/mo
Today · 4.125%
HK$24,325
baseline
▲ 0.50% · 4.625%
HK$25,805
+HK$1,480/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$48,650/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,464
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,147
−HK$693/mo
Today · 4.125%
HK$26,840
baseline
▲ 0.50% · 4.625%
HK$28,255
+HK$1,415/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$53,680/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,476 · 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).