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$12,658
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,051
−HK$400/mo
Today · 4.125%
HK$13,451
baseline
▲ 0.50% · 4.625%
HK$14,270
+HK$819/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,902/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,081
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,459
−HK$383/mo
Today · 4.125%
HK$14,842
baseline
▲ 0.50% · 4.625%
HK$15,624
+HK$782/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,684/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,189
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,661
−HK$481/mo
Today · 4.125%
HK$16,142
baseline
▲ 0.50% · 4.625%
HK$17,124
+HK$982/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,284/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,898
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,351
−HK$460/mo
Today · 4.125%
HK$17,811
baseline
▲ 0.50% · 4.625%
HK$18,749
+HK$938/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,622/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,721
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,272
−HK$560/mo
Today · 4.125%
HK$18,832
baseline
▲ 0.50% · 4.625%
HK$19,978
+HK$1,146/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,664/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,714
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,243
−HK$536/mo
Today · 4.125%
HK$20,779
baseline
▲ 0.50% · 4.625%
HK$21,874
+HK$1,095/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,558/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,784
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,492
−HK$720/mo
Today · 4.125%
HK$24,212
baseline
▲ 0.50% · 4.625%
HK$25,686
+HK$1,474/mo
Deposit HK$555K · loan HK$5.00M · min. income ≈ HK$48,424/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,346
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,026
−HK$690/mo
Today · 4.125%
HK$26,716
baseline
▲ 0.50% · 4.625%
HK$28,124
+HK$1,408/mo
Deposit HK$555K · loan HK$5.00M · min. income ≈ HK$53,432/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,896 · 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).