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$12,707
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,102
−HK$402/mo
Today · 4.125%
HK$13,504
baseline
▲ 0.50% · 4.625%
HK$14,325
+HK$821/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,008/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,136
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,515
−HK$385/mo
Today · 4.125%
HK$14,900
baseline
▲ 0.50% · 4.625%
HK$15,685
+HK$785/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,800/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,248
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,722
−HK$482/mo
Today · 4.125%
HK$16,204
baseline
▲ 0.50% · 4.625%
HK$17,190
+HK$986/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,408/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,963
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,418
−HK$462/mo
Today · 4.125%
HK$17,880
baseline
▲ 0.50% · 4.625%
HK$18,822
+HK$942/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,760/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,789
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,343
−HK$562/mo
Today · 4.125%
HK$18,905
baseline
▲ 0.50% · 4.625%
HK$20,055
+HK$1,150/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,810/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,791
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,321
−HK$539/mo
Today · 4.125%
HK$20,860
baseline
▲ 0.50% · 4.625%
HK$21,959
+HK$1,099/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,720/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,872
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,584
−HK$722/mo
Today · 4.125%
HK$24,306
baseline
▲ 0.50% · 4.625%
HK$25,785
+HK$1,479/mo
Deposit HK$557K · loan HK$5.02M · min. income ≈ HK$48,612/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,445
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,127
−HK$693/mo
Today · 4.125%
HK$26,820
baseline
▲ 0.50% · 4.625%
HK$28,233
+HK$1,413/mo
Deposit HK$557K · loan HK$5.02M · min. income ≈ HK$53,640/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,381 · 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).