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$12,664
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,058
−HK$400/mo
Today · 4.125%
HK$13,458
baseline
▲ 0.50% · 4.625%
HK$14,277
+HK$819/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,916/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,089
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,467
−HK$383/mo
Today · 4.125%
HK$14,850
baseline
▲ 0.50% · 4.625%
HK$15,633
+HK$783/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,700/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,197
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,670
−HK$480/mo
Today · 4.125%
HK$16,150
baseline
▲ 0.50% · 4.625%
HK$17,133
+HK$983/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,300/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,906
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,360
−HK$460/mo
Today · 4.125%
HK$17,820
baseline
▲ 0.50% · 4.625%
HK$18,759
+HK$939/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,640/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,730
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,281
−HK$561/mo
Today · 4.125%
HK$18,842
baseline
▲ 0.50% · 4.625%
HK$19,988
+HK$1,146/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,684/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,724
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,253
−HK$537/mo
Today · 4.125%
HK$20,790
baseline
▲ 0.50% · 4.625%
HK$21,886
+HK$1,096/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,580/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,795
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,504
−HK$721/mo
Today · 4.125%
HK$24,225
baseline
▲ 0.50% · 4.625%
HK$25,699
+HK$1,474/mo
Deposit HK$555K · loan HK$5.00M · min. income ≈ HK$48,450/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,360
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,040
−HK$690/mo
Today · 4.125%
HK$26,730
baseline
▲ 0.50% · 4.625%
HK$28,139
+HK$1,409/mo
Deposit HK$555K · loan HK$5.00M · min. income ≈ HK$53,460/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,961 · 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).