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$12,723
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,118
−HK$402/mo
Today · 4.125%
HK$13,520
baseline
▲ 0.50% · 4.625%
HK$14,343
+HK$823/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,040/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,154
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,533
−HK$385/mo
Today · 4.125%
HK$14,918
baseline
▲ 0.50% · 4.625%
HK$15,705
+HK$787/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,836/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,267
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,742
−HK$482/mo
Today · 4.125%
HK$16,224
baseline
▲ 0.50% · 4.625%
HK$17,212
+HK$988/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$32,448/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,984
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,440
−HK$462/mo
Today · 4.125%
HK$17,902
baseline
▲ 0.50% · 4.625%
HK$18,846
+HK$944/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$35,804/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,812
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,366
−HK$562/mo
Today · 4.125%
HK$18,928
baseline
▲ 0.50% · 4.625%
HK$20,080
+HK$1,152/mo
Deposit HK$1.67M · loan HK$3.91M · min. income ≈ HK$37,856/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,815
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,347
−HK$539/mo
Today · 4.125%
HK$20,886
baseline
▲ 0.50% · 4.625%
HK$21,987
+HK$1,101/mo
Deposit HK$1.67M · loan HK$3.91M · min. income ≈ HK$41,772/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,901
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,613
−HK$724/mo
Today · 4.125%
HK$24,337
baseline
▲ 0.50% · 4.625%
HK$25,817
+HK$1,480/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$48,674/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,477
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,160
−HK$693/mo
Today · 4.125%
HK$26,853
baseline
▲ 0.50% · 4.625%
HK$28,269
+HK$1,416/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$53,706/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,538 · 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).