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$12,667
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,062
−HK$400/mo
Today · 4.125%
HK$13,462
baseline
▲ 0.50% · 4.625%
HK$14,281
+HK$819/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,924/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,092
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,470
−HK$384/mo
Today · 4.125%
HK$14,854
baseline
▲ 0.50% · 4.625%
HK$15,637
+HK$783/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,708/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,201
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,674
−HK$480/mo
Today · 4.125%
HK$16,154
baseline
▲ 0.50% · 4.625%
HK$17,137
+HK$983/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,308/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,911
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,364
−HK$461/mo
Today · 4.125%
HK$17,825
baseline
▲ 0.50% · 4.625%
HK$18,764
+HK$939/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,650/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,734
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,286
−HK$561/mo
Today · 4.125%
HK$18,847
baseline
▲ 0.50% · 4.625%
HK$19,993
+HK$1,146/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,694/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,729
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,259
−HK$536/mo
Today · 4.125%
HK$20,795
baseline
▲ 0.50% · 4.625%
HK$21,892
+HK$1,097/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,590/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,801
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,511
−HK$720/mo
Today · 4.125%
HK$24,231
baseline
▲ 0.50% · 4.625%
HK$25,706
+HK$1,475/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$48,462/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$124,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,366
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,047
−HK$690/mo
Today · 4.125%
HK$26,737
baseline
▲ 0.50% · 4.625%
HK$28,146
+HK$1,409/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$53,474/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$124,995 · 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).