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$12,738
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,134
−HK$403/mo
Today · 4.125%
HK$13,537
baseline
▲ 0.50% · 4.625%
HK$14,361
+HK$824/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,074/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,171
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,551
−HK$386/mo
Today · 4.125%
HK$14,937
baseline
▲ 0.50% · 4.625%
HK$15,724
+HK$787/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,874/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,286
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,761
−HK$483/mo
Today · 4.125%
HK$16,244
baseline
▲ 0.50% · 4.625%
HK$17,233
+HK$989/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$32,488/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,005
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,461
−HK$463/mo
Today · 4.125%
HK$17,924
baseline
▲ 0.50% · 4.625%
HK$18,869
+HK$945/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$35,848/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,833
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,388
−HK$564/mo
Today · 4.125%
HK$18,952
baseline
▲ 0.50% · 4.625%
HK$20,105
+HK$1,153/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$37,904/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,839
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,371
−HK$540/mo
Today · 4.125%
HK$20,911
baseline
▲ 0.50% · 4.625%
HK$22,014
+HK$1,103/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$41,822/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,929
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,642
−HK$724/mo
Today · 4.125%
HK$24,366
baseline
▲ 0.50% · 4.625%
HK$25,849
+HK$1,483/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$48,732/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,508
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,192
−HK$694/mo
Today · 4.125%
HK$26,886
baseline
▲ 0.50% · 4.625%
HK$28,303
+HK$1,417/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$53,772/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,691 · 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).