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$12,666
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,060
−HK$400/mo
Today · 4.125%
HK$13,460
baseline
▲ 0.50% · 4.625%
HK$14,279
+HK$819/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,920/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,091
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,469
−HK$383/mo
Today · 4.125%
HK$14,852
baseline
▲ 0.50% · 4.625%
HK$15,635
+HK$783/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,704/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,199
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,672
−HK$480/mo
Today · 4.125%
HK$16,152
baseline
▲ 0.50% · 4.625%
HK$17,135
+HK$983/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,304/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,909
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,362
−HK$460/mo
Today · 4.125%
HK$17,822
baseline
▲ 0.50% · 4.625%
HK$18,762
+HK$940/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,644/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,732
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,284
−HK$560/mo
Today · 4.125%
HK$18,844
baseline
▲ 0.50% · 4.625%
HK$19,991
+HK$1,147/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,688/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,727
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,256
−HK$537/mo
Today · 4.125%
HK$20,793
baseline
▲ 0.50% · 4.625%
HK$21,889
+HK$1,096/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,586/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,799
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,508
−HK$720/mo
Today · 4.125%
HK$24,228
baseline
▲ 0.50% · 4.625%
HK$25,703
+HK$1,475/mo
Deposit HK$555K · loan HK$5.00M · min. income ≈ HK$48,456/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,363
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,043
−HK$691/mo
Today · 4.125%
HK$26,734
baseline
▲ 0.50% · 4.625%
HK$28,143
+HK$1,409/mo
Deposit HK$555K · loan HK$5.00M · min. income ≈ HK$53,468/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,979 · 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).