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$12,668
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,062
−HK$400/mo
Today · 4.125%
HK$13,462
baseline
▲ 0.50% · 4.625%
HK$14,281
+HK$819/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,924/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,093
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,471
−HK$383/mo
Today · 4.125%
HK$14,854
baseline
▲ 0.50% · 4.625%
HK$15,637
+HK$783/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,708/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,201
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,674
−HK$480/mo
Today · 4.125%
HK$16,154
baseline
▲ 0.50% · 4.625%
HK$17,137
+HK$983/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,308/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,911
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,365
−HK$460/mo
Today · 4.125%
HK$17,825
baseline
▲ 0.50% · 4.625%
HK$18,764
+HK$939/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,650/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,735
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,286
−HK$561/mo
Today · 4.125%
HK$18,847
baseline
▲ 0.50% · 4.625%
HK$19,994
+HK$1,147/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,694/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,730
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,259
−HK$537/mo
Today · 4.125%
HK$20,796
baseline
▲ 0.50% · 4.625%
HK$21,892
+HK$1,096/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,592/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,802
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,511
−HK$721/mo
Today · 4.125%
HK$24,232
baseline
▲ 0.50% · 4.625%
HK$25,706
+HK$1,474/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$48,464/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$124,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,367
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,047
−HK$690/mo
Today · 4.125%
HK$26,737
baseline
▲ 0.50% · 4.625%
HK$28,147
+HK$1,410/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$53,474/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$124,996 · 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).