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$12,713
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,109
−HK$401/mo
Today · 4.125%
HK$13,510
baseline
▲ 0.50% · 4.625%
HK$14,332
+HK$822/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,020/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,143
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,523
−HK$384/mo
Today · 4.125%
HK$14,907
baseline
▲ 0.50% · 4.625%
HK$15,693
+HK$786/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,814/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,256
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,730
−HK$482/mo
Today · 4.125%
HK$16,212
baseline
▲ 0.50% · 4.625%
HK$17,199
+HK$987/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$32,424/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,972
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,427
−HK$462/mo
Today · 4.125%
HK$17,889
baseline
▲ 0.50% · 4.625%
HK$18,832
+HK$943/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$35,778/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,798
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,352
−HK$562/mo
Today · 4.125%
HK$18,914
baseline
▲ 0.50% · 4.625%
HK$20,065
+HK$1,151/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,828/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,800
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,332
−HK$538/mo
Today · 4.125%
HK$20,870
baseline
▲ 0.50% · 4.625%
HK$21,970
+HK$1,100/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,740/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,884
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,595
−HK$724/mo
Today · 4.125%
HK$24,319
baseline
▲ 0.50% · 4.625%
HK$25,798
+HK$1,479/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$48,638/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,458
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,141
−HK$692/mo
Today · 4.125%
HK$26,833
baseline
▲ 0.50% · 4.625%
HK$28,248
+HK$1,415/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$53,666/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,445 · 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).