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$12,682
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,076
−HK$401/mo
Today · 4.125%
HK$13,477
baseline
▲ 0.50% · 4.625%
HK$14,297
+HK$820/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,954/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,108
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,487
−HK$383/mo
Today · 4.125%
HK$14,870
baseline
▲ 0.50% · 4.625%
HK$15,654
+HK$784/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,740/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,218
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,691
−HK$481/mo
Today · 4.125%
HK$16,172
baseline
▲ 0.50% · 4.625%
HK$17,156
+HK$984/mo
Deposit HK$2.22M · loan HK$3.34M · min. income ≈ HK$32,344/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,930
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,384
−HK$461/mo
Today · 4.125%
HK$17,845
baseline
▲ 0.50% · 4.625%
HK$18,785
+HK$940/mo
Deposit HK$2.22M · loan HK$3.34M · min. income ≈ HK$35,690/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,754
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,307
−HK$561/mo
Today · 4.125%
HK$18,868
baseline
▲ 0.50% · 4.625%
HK$20,016
+HK$1,148/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,736/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,752
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,281
−HK$538/mo
Today · 4.125%
HK$20,819
baseline
▲ 0.50% · 4.625%
HK$21,916
+HK$1,097/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,638/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,827
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,537
−HK$721/mo
Today · 4.125%
HK$24,258
baseline
▲ 0.50% · 4.625%
HK$25,735
+HK$1,477/mo
Deposit HK$556K · loan HK$5.01M · min. income ≈ HK$48,516/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,395
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,076
−HK$691/mo
Today · 4.125%
HK$26,767
baseline
▲ 0.50% · 4.625%
HK$28,178
+HK$1,411/mo
Deposit HK$556K · loan HK$5.01M · min. income ≈ HK$53,534/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,135 · 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).