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$12,687
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,081
−HK$401/mo
Today · 4.125%
HK$13,482
baseline
▲ 0.50% · 4.625%
HK$14,303
+HK$821/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,964/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,114
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,492
−HK$384/mo
Today · 4.125%
HK$14,876
baseline
▲ 0.50% · 4.625%
HK$15,661
+HK$785/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,752/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,224
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,698
−HK$481/mo
Today · 4.125%
HK$16,179
baseline
▲ 0.50% · 4.625%
HK$17,163
+HK$984/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,358/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,937
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,391
−HK$461/mo
Today · 4.125%
HK$17,852
baseline
▲ 0.50% · 4.625%
HK$18,793
+HK$941/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,704/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,761
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,314
−HK$561/mo
Today · 4.125%
HK$18,875
baseline
▲ 0.50% · 4.625%
HK$20,024
+HK$1,149/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,750/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,759
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,289
−HK$538/mo
Today · 4.125%
HK$20,827
baseline
▲ 0.50% · 4.625%
HK$21,925
+HK$1,098/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,654/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,836
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,547
−HK$721/mo
Today · 4.125%
HK$24,268
baseline
▲ 0.50% · 4.625%
HK$25,745
+HK$1,477/mo
Deposit HK$556K · loan HK$5.01M · min. income ≈ HK$48,536/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,405
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,086
−HK$692/mo
Today · 4.125%
HK$26,778
baseline
▲ 0.50% · 4.625%
HK$28,189
+HK$1,411/mo
Deposit HK$556K · loan HK$5.01M · min. income ≈ HK$53,556/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,185 · 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).