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$12,689
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,083
−HK$401/mo
Today · 4.125%
HK$13,484
baseline
▲ 0.50% · 4.625%
HK$14,305
+HK$821/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,968/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,116
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,495
−HK$384/mo
Today · 4.125%
HK$14,879
baseline
▲ 0.50% · 4.625%
HK$15,663
+HK$784/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,758/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,227
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,700
−HK$481/mo
Today · 4.125%
HK$16,181
baseline
▲ 0.50% · 4.625%
HK$17,166
+HK$985/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,362/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,939
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,394
−HK$461/mo
Today · 4.125%
HK$17,855
baseline
▲ 0.50% · 4.625%
HK$18,796
+HK$941/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,710/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,764
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,317
−HK$561/mo
Today · 4.125%
HK$18,878
baseline
▲ 0.50% · 4.625%
HK$20,027
+HK$1,149/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,756/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,763
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,293
−HK$537/mo
Today · 4.125%
HK$20,830
baseline
▲ 0.50% · 4.625%
HK$21,928
+HK$1,098/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,660/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,840
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,550
−HK$722/mo
Today · 4.125%
HK$24,272
baseline
▲ 0.50% · 4.625%
HK$25,749
+HK$1,477/mo
Deposit HK$556K · loan HK$5.01M · min. income ≈ HK$48,544/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,409
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,090
−HK$692/mo
Today · 4.125%
HK$26,782
baseline
▲ 0.50% · 4.625%
HK$28,194
+HK$1,412/mo
Deposit HK$556K · loan HK$5.01M · min. income ≈ HK$53,564/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,205 · 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).