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$12,733
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,129
−HK$402/mo
Today · 4.125%
HK$13,531
baseline
▲ 0.50% · 4.625%
HK$14,355
+HK$824/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,062/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,165
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,545
−HK$386/mo
Today · 4.125%
HK$14,931
baseline
▲ 0.50% · 4.625%
HK$15,718
+HK$787/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,862/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,280
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,755
−HK$483/mo
Today · 4.125%
HK$16,238
baseline
▲ 0.50% · 4.625%
HK$17,226
+HK$988/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$32,476/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,998
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,454
−HK$463/mo
Today · 4.125%
HK$17,917
baseline
▲ 0.50% · 4.625%
HK$18,861
+HK$944/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$35,834/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,826
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,381
−HK$563/mo
Today · 4.125%
HK$18,944
baseline
▲ 0.50% · 4.625%
HK$20,097
+HK$1,153/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$37,888/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,831
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,363
−HK$540/mo
Today · 4.125%
HK$20,903
baseline
▲ 0.50% · 4.625%
HK$22,005
+HK$1,102/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$41,806/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,919
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,632
−HK$725/mo
Today · 4.125%
HK$24,357
baseline
▲ 0.50% · 4.625%
HK$25,839
+HK$1,482/mo
Deposit HK$558K · loan HK$5.03M · min. income ≈ HK$48,714/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,498
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,181
−HK$694/mo
Today · 4.125%
HK$26,875
baseline
▲ 0.50% · 4.625%
HK$28,292
+HK$1,417/mo
Deposit HK$558K · loan HK$5.03M · min. income ≈ HK$53,750/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,641 · 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).