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$12,731
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,127
−HK$403/mo
Today · 4.125%
HK$13,530
baseline
▲ 0.50% · 4.625%
HK$14,353
+HK$823/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,060/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,164
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,543
−HK$386/mo
Today · 4.125%
HK$14,929
baseline
▲ 0.50% · 4.625%
HK$15,716
+HK$787/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,858/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,278
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,753
−HK$483/mo
Today · 4.125%
HK$16,236
baseline
▲ 0.50% · 4.625%
HK$17,224
+HK$988/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$32,472/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,996
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,452
−HK$463/mo
Today · 4.125%
HK$17,915
baseline
▲ 0.50% · 4.625%
HK$18,859
+HK$944/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$35,830/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,824
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,378
−HK$564/mo
Today · 4.125%
HK$18,942
baseline
▲ 0.50% · 4.625%
HK$20,094
+HK$1,152/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$37,884/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,829
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,361
−HK$539/mo
Today · 4.125%
HK$20,900
baseline
▲ 0.50% · 4.625%
HK$22,002
+HK$1,102/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$41,800/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,917
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,629
−HK$725/mo
Today · 4.125%
HK$24,354
baseline
▲ 0.50% · 4.625%
HK$25,836
+HK$1,482/mo
Deposit HK$558K · loan HK$5.03M · min. income ≈ HK$48,708/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,494
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,178
−HK$694/mo
Today · 4.125%
HK$26,872
baseline
▲ 0.50% · 4.625%
HK$28,288
+HK$1,416/mo
Deposit HK$558K · loan HK$5.03M · min. income ≈ HK$53,744/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,626 · 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).