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$12,660
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,054
−HK$400/mo
Today · 4.125%
HK$13,454
baseline
▲ 0.50% · 4.625%
HK$14,273
+HK$819/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,908/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,084
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,462
−HK$383/mo
Today · 4.125%
HK$14,845
baseline
▲ 0.50% · 4.625%
HK$15,628
+HK$783/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,690/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,192
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,665
−HK$480/mo
Today · 4.125%
HK$16,145
baseline
▲ 0.50% · 4.625%
HK$17,127
+HK$982/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,290/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,901
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,355
−HK$459/mo
Today · 4.125%
HK$17,814
baseline
▲ 0.50% · 4.625%
HK$18,753
+HK$939/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,628/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,724
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,276
−HK$560/mo
Today · 4.125%
HK$18,836
baseline
▲ 0.50% · 4.625%
HK$19,982
+HK$1,146/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,672/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,718
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,247
−HK$536/mo
Today · 4.125%
HK$20,783
baseline
▲ 0.50% · 4.625%
HK$21,879
+HK$1,096/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,566/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,788
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,497
−HK$720/mo
Today · 4.125%
HK$24,217
baseline
▲ 0.50% · 4.625%
HK$25,691
+HK$1,474/mo
Deposit HK$555K · loan HK$5.00M · min. income ≈ HK$48,434/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,352
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,032
−HK$690/mo
Today · 4.125%
HK$26,722
baseline
▲ 0.50% · 4.625%
HK$28,130
+HK$1,408/mo
Deposit HK$555K · loan HK$5.00M · min. income ≈ HK$53,444/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,923 · 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).