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$12,676
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,070
−HK$401/mo
Today · 4.125%
HK$13,471
baseline
▲ 0.50% · 4.625%
HK$14,290
+HK$819/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,942/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$125,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,102
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,480
−HK$384/mo
Today · 4.125%
HK$14,864
baseline
▲ 0.50% · 4.625%
HK$15,647
+HK$783/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,728/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$125,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,211
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,684
−HK$481/mo
Today · 4.125%
HK$16,165
baseline
▲ 0.50% · 4.625%
HK$17,148
+HK$983/mo
Deposit HK$2.22M · loan HK$3.34M · min. income ≈ HK$32,330/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,922
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,376
−HK$460/mo
Today · 4.125%
HK$17,836
baseline
▲ 0.50% · 4.625%
HK$18,776
+HK$940/mo
Deposit HK$2.22M · loan HK$3.34M · min. income ≈ HK$35,672/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,746
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,298
−HK$561/mo
Today · 4.125%
HK$18,859
baseline
▲ 0.50% · 4.625%
HK$20,006
+HK$1,147/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,718/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,742
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,272
−HK$537/mo
Today · 4.125%
HK$20,809
baseline
▲ 0.50% · 4.625%
HK$21,906
+HK$1,097/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,618/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,816
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,526
−HK$721/mo
Today · 4.125%
HK$24,247
baseline
▲ 0.50% · 4.625%
HK$25,723
+HK$1,476/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$48,494/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,383
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,064
−HK$690/mo
Today · 4.125%
HK$26,754
baseline
▲ 0.50% · 4.625%
HK$28,165
+HK$1,411/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$53,508/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,076 · 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).