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$12,729
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,125
−HK$402/mo
Today · 4.125%
HK$13,527
baseline
▲ 0.50% · 4.625%
HK$14,350
+HK$823/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,054/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,161
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,540
−HK$386/mo
Today · 4.125%
HK$14,926
baseline
▲ 0.50% · 4.625%
HK$15,712
+HK$786/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,852/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,275
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,750
−HK$482/mo
Today · 4.125%
HK$16,232
baseline
▲ 0.50% · 4.625%
HK$17,220
+HK$988/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$32,464/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,993
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,449
−HK$462/mo
Today · 4.125%
HK$17,911
baseline
▲ 0.50% · 4.625%
HK$18,855
+HK$944/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$35,822/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,820
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,375
−HK$563/mo
Today · 4.125%
HK$18,938
baseline
▲ 0.50% · 4.625%
HK$20,090
+HK$1,152/mo
Deposit HK$1.67M · loan HK$3.91M · min. income ≈ HK$37,876/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,825
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,357
−HK$539/mo
Today · 4.125%
HK$20,896
baseline
▲ 0.50% · 4.625%
HK$21,997
+HK$1,101/mo
Deposit HK$1.67M · loan HK$3.91M · min. income ≈ HK$41,792/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,912
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,625
−HK$724/mo
Today · 4.125%
HK$24,349
baseline
▲ 0.50% · 4.625%
HK$25,830
+HK$1,481/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$48,698/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,489
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,173
−HK$693/mo
Today · 4.125%
HK$26,866
baseline
▲ 0.50% · 4.625%
HK$28,282
+HK$1,416/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$53,732/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,600 · 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).