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$12,699
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,094
−HK$402/mo
Today · 4.125%
HK$13,496
baseline
▲ 0.50% · 4.625%
HK$14,317
+HK$821/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,992/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,128
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,507
−HK$384/mo
Today · 4.125%
HK$14,891
baseline
▲ 0.50% · 4.625%
HK$15,676
+HK$785/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,782/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,239
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,713
−HK$482/mo
Today · 4.125%
HK$16,195
baseline
▲ 0.50% · 4.625%
HK$17,180
+HK$985/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,390/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,953
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,408
−HK$461/mo
Today · 4.125%
HK$17,869
baseline
▲ 0.50% · 4.625%
HK$18,811
+HK$942/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,738/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,779
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,332
−HK$562/mo
Today · 4.125%
HK$18,894
baseline
▲ 0.50% · 4.625%
HK$20,044
+HK$1,150/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,788/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,779
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,310
−HK$538/mo
Today · 4.125%
HK$20,848
baseline
▲ 0.50% · 4.625%
HK$21,947
+HK$1,099/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,696/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,859
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,570
−HK$722/mo
Today · 4.125%
HK$24,292
baseline
▲ 0.50% · 4.625%
HK$25,770
+HK$1,478/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$48,584/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,430
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,112
−HK$692/mo
Today · 4.125%
HK$26,804
baseline
▲ 0.50% · 4.625%
HK$28,217
+HK$1,413/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$53,608/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,309 · 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).