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$12,665
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,059
−HK$400/mo
Today · 4.125%
HK$13,459
baseline
▲ 0.50% · 4.625%
HK$14,278
+HK$819/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,918/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,089
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,467
−HK$384/mo
Today · 4.125%
HK$14,851
baseline
▲ 0.50% · 4.625%
HK$15,633
+HK$782/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,702/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,198
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,670
−HK$481/mo
Today · 4.125%
HK$16,151
baseline
▲ 0.50% · 4.625%
HK$17,133
+HK$982/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,302/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,907
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,361
−HK$460/mo
Today · 4.125%
HK$17,821
baseline
▲ 0.50% · 4.625%
HK$18,760
+HK$939/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,642/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,731
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,282
−HK$561/mo
Today · 4.125%
HK$18,843
baseline
▲ 0.50% · 4.625%
HK$19,989
+HK$1,146/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,686/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,725
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,254
−HK$537/mo
Today · 4.125%
HK$20,791
baseline
▲ 0.50% · 4.625%
HK$21,887
+HK$1,096/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,582/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,797
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,506
−HK$720/mo
Today · 4.125%
HK$24,226
baseline
▲ 0.50% · 4.625%
HK$25,700
+HK$1,474/mo
Deposit HK$555K · loan HK$5.00M · min. income ≈ HK$48,452/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,361
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,041
−HK$690/mo
Today · 4.125%
HK$26,731
baseline
▲ 0.50% · 4.625%
HK$28,140
+HK$1,409/mo
Deposit HK$555K · loan HK$5.00M · min. income ≈ HK$53,462/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,968 · 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).