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$12,685
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,079
−HK$401/mo
Today · 4.125%
HK$13,480
baseline
▲ 0.50% · 4.625%
HK$14,300
+HK$820/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,960/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,112
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,490
−HK$384/mo
Today · 4.125%
HK$14,874
baseline
▲ 0.50% · 4.625%
HK$15,658
+HK$784/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,748/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,222
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,695
−HK$481/mo
Today · 4.125%
HK$16,176
baseline
▲ 0.50% · 4.625%
HK$17,160
+HK$984/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,352/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,934
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,388
−HK$461/mo
Today · 4.125%
HK$17,849
baseline
▲ 0.50% · 4.625%
HK$18,790
+HK$941/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,698/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,759
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,311
−HK$561/mo
Today · 4.125%
HK$18,872
baseline
▲ 0.50% · 4.625%
HK$20,020
+HK$1,148/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,744/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,756
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,286
−HK$538/mo
Today · 4.125%
HK$20,824
baseline
▲ 0.50% · 4.625%
HK$21,921
+HK$1,097/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,648/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,832
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,543
−HK$721/mo
Today · 4.125%
HK$24,264
baseline
▲ 0.50% · 4.625%
HK$25,741
+HK$1,477/mo
Deposit HK$556K · loan HK$5.01M · min. income ≈ HK$48,528/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,401
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,082
−HK$691/mo
Today · 4.125%
HK$26,773
baseline
▲ 0.50% · 4.625%
HK$28,184
+HK$1,411/mo
Deposit HK$556K · loan HK$5.01M · min. income ≈ HK$53,546/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,164 · 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).