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$12,703
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,098
−HK$402/mo
Today · 4.125%
HK$13,500
baseline
▲ 0.50% · 4.625%
HK$14,321
+HK$821/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,000/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,132
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,511
−HK$385/mo
Today · 4.125%
HK$14,896
baseline
▲ 0.50% · 4.625%
HK$15,681
+HK$785/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,792/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,244
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,718
−HK$482/mo
Today · 4.125%
HK$16,200
baseline
▲ 0.50% · 4.625%
HK$17,186
+HK$986/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,400/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,959
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,414
−HK$461/mo
Today · 4.125%
HK$17,875
baseline
▲ 0.50% · 4.625%
HK$18,817
+HK$942/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,750/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,785
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,338
−HK$562/mo
Today · 4.125%
HK$18,900
baseline
▲ 0.50% · 4.625%
HK$20,050
+HK$1,150/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,800/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,785
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,316
−HK$538/mo
Today · 4.125%
HK$20,854
baseline
▲ 0.50% · 4.625%
HK$21,953
+HK$1,099/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,708/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,866
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,577
−HK$723/mo
Today · 4.125%
HK$24,300
baseline
▲ 0.50% · 4.625%
HK$25,778
+HK$1,478/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$48,600/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,438
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,120
−HK$692/mo
Today · 4.125%
HK$26,812
baseline
▲ 0.50% · 4.625%
HK$28,226
+HK$1,414/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$53,624/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,347 · 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).