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$12,669
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,063
−HK$401/mo
Today · 4.125%
HK$13,464
baseline
▲ 0.50% · 4.625%
HK$14,283
+HK$819/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,928/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$125,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,094
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,472
−HK$384/mo
Today · 4.125%
HK$14,856
baseline
▲ 0.50% · 4.625%
HK$15,639
+HK$783/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,712/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$125,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,203
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,676
−HK$480/mo
Today · 4.125%
HK$16,156
baseline
▲ 0.50% · 4.625%
HK$17,139
+HK$983/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,312/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,913
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,367
−HK$460/mo
Today · 4.125%
HK$17,827
baseline
▲ 0.50% · 4.625%
HK$18,767
+HK$940/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,654/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,737
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,288
−HK$561/mo
Today · 4.125%
HK$18,849
baseline
▲ 0.50% · 4.625%
HK$19,996
+HK$1,147/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,698/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,732
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,261
−HK$537/mo
Today · 4.125%
HK$20,798
baseline
▲ 0.50% · 4.625%
HK$21,894
+HK$1,096/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,596/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,804
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,514
−HK$720/mo
Today · 4.125%
HK$24,234
baseline
▲ 0.50% · 4.625%
HK$25,709
+HK$1,475/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$48,468/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,370
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,050
−HK$690/mo
Today · 4.125%
HK$26,740
baseline
▲ 0.50% · 4.625%
HK$28,150
+HK$1,410/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$53,480/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,010 · 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).