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$12,737
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,134
−HK$402/mo
Today · 4.125%
HK$13,536
baseline
▲ 0.50% · 4.625%
HK$14,360
+HK$824/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,072/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,170
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,550
−HK$386/mo
Today · 4.125%
HK$14,936
baseline
▲ 0.50% · 4.625%
HK$15,723
+HK$787/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,872/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,285
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,760
−HK$483/mo
Today · 4.125%
HK$16,243
baseline
▲ 0.50% · 4.625%
HK$17,232
+HK$989/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$32,486/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,004
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,460
−HK$463/mo
Today · 4.125%
HK$17,923
baseline
▲ 0.50% · 4.625%
HK$18,868
+HK$945/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$35,846/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,832
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,387
−HK$564/mo
Today · 4.125%
HK$18,951
baseline
▲ 0.50% · 4.625%
HK$20,104
+HK$1,153/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$37,902/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,838
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,371
−HK$539/mo
Today · 4.125%
HK$20,910
baseline
▲ 0.50% · 4.625%
HK$22,012
+HK$1,102/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$41,820/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,927
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,641
−HK$724/mo
Today · 4.125%
HK$24,365
baseline
▲ 0.50% · 4.625%
HK$25,848
+HK$1,483/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$48,730/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,507
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,191
−HK$694/mo
Today · 4.125%
HK$26,885
baseline
▲ 0.50% · 4.625%
HK$28,302
+HK$1,417/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$53,770/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,685 · 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).