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$12,680
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,074
−HK$401/mo
Today · 4.125%
HK$13,475
baseline
▲ 0.50% · 4.625%
HK$14,295
+HK$820/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,950/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,106
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,484
−HK$384/mo
Today · 4.125%
HK$14,868
baseline
▲ 0.50% · 4.625%
HK$15,652
+HK$784/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,736/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,216
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,689
−HK$481/mo
Today · 4.125%
HK$16,170
baseline
▲ 0.50% · 4.625%
HK$17,154
+HK$984/mo
Deposit HK$2.22M · loan HK$3.34M · min. income ≈ HK$32,340/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,927
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,381
−HK$461/mo
Today · 4.125%
HK$17,842
baseline
▲ 0.50% · 4.625%
HK$18,782
+HK$940/mo
Deposit HK$2.22M · loan HK$3.34M · min. income ≈ HK$35,684/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,752
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,304
−HK$561/mo
Today · 4.125%
HK$18,865
baseline
▲ 0.50% · 4.625%
HK$20,013
+HK$1,148/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,730/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,749
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,278
−HK$538/mo
Today · 4.125%
HK$20,816
baseline
▲ 0.50% · 4.625%
HK$21,913
+HK$1,097/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,632/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,824
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,534
−HK$721/mo
Today · 4.125%
HK$24,255
baseline
▲ 0.50% · 4.625%
HK$25,731
+HK$1,476/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$48,510/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,391
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,072
−HK$691/mo
Today · 4.125%
HK$26,763
baseline
▲ 0.50% · 4.625%
HK$28,174
+HK$1,411/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$53,526/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,116 · 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).