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$13,133
−HK$403/mo
Today · 4.125%
HK$13,536
baseline
▲ 0.50% · 4.625%
HK$14,359
+HK$823/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$125,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,170
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,550
−HK$385/mo
Today · 4.125%
HK$14,935
baseline
▲ 0.50% · 4.625%
HK$15,722
+HK$787/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,870/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,284
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,760
−HK$483/mo
Today · 4.125%
HK$16,243
baseline
▲ 0.50% · 4.625%
HK$17,231
+HK$988/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$125,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,004
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,460
−HK$462/mo
Today · 4.125%
HK$17,922
baseline
▲ 0.50% · 4.625%
HK$18,867
+HK$945/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$35,844/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,832
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,386
−HK$564/mo
Today · 4.125%
HK$18,950
baseline
▲ 0.50% · 4.625%
HK$20,103
+HK$1,153/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$37,900/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,837
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,369
−HK$540/mo
Today · 4.125%
HK$20,909
baseline
▲ 0.50% · 4.625%
HK$22,011
+HK$1,102/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$41,818/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,926
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,639
−HK$725/mo
Today · 4.125%
HK$24,364
baseline
▲ 0.50% · 4.625%
HK$25,846
+HK$1,482/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$48,728/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,505
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,189
−HK$694/mo
Today · 4.125%
HK$26,883
baseline
▲ 0.50% · 4.625%
HK$28,300
+HK$1,417/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$53,766/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,679 · 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).