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$12,658
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,052
−HK$400/mo
Today · 4.125%
HK$13,452
baseline
▲ 0.50% · 4.625%
HK$14,270
+HK$818/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,904/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,082
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,460
−HK$383/mo
Today · 4.125%
HK$14,843
baseline
▲ 0.50% · 4.625%
HK$15,625
+HK$782/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,686/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,190
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,662
−HK$480/mo
Today · 4.125%
HK$16,142
baseline
▲ 0.50% · 4.625%
HK$17,124
+HK$982/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,284/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,898
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,352
−HK$459/mo
Today · 4.125%
HK$17,811
baseline
▲ 0.50% · 4.625%
HK$18,750
+HK$939/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,622/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,721
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,272
−HK$561/mo
Today · 4.125%
HK$18,833
baseline
▲ 0.50% · 4.625%
HK$19,978
+HK$1,145/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,666/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,715
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,243
−HK$537/mo
Today · 4.125%
HK$20,780
baseline
▲ 0.50% · 4.625%
HK$21,875
+HK$1,095/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,560/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,784
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,493
−HK$720/mo
Today · 4.125%
HK$24,213
baseline
▲ 0.50% · 4.625%
HK$25,687
+HK$1,474/mo
Deposit HK$555K · loan HK$5.00M · min. income ≈ HK$48,426/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,347
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,027
−HK$690/mo
Today · 4.125%
HK$26,717
baseline
▲ 0.50% · 4.625%
HK$28,125
+HK$1,408/mo
Deposit HK$555K · loan HK$5.00M · min. income ≈ HK$53,434/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,901 · 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).