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$12,671
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,066
−HK$400/mo
Today · 4.125%
HK$13,466
baseline
▲ 0.50% · 4.625%
HK$14,285
+HK$819/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,932/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$125,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,097
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,475
−HK$383/mo
Today · 4.125%
HK$14,858
baseline
▲ 0.50% · 4.625%
HK$15,642
+HK$784/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,716/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$125,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,206
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,679
−HK$480/mo
Today · 4.125%
HK$16,159
baseline
▲ 0.50% · 4.625%
HK$17,142
+HK$983/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,318/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,916
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,370
−HK$460/mo
Today · 4.125%
HK$17,830
baseline
▲ 0.50% · 4.625%
HK$18,770
+HK$940/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,660/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,740
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,292
−HK$560/mo
Today · 4.125%
HK$18,852
baseline
▲ 0.50% · 4.625%
HK$20,000
+HK$1,148/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,704/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,735
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,265
−HK$537/mo
Today · 4.125%
HK$20,802
baseline
▲ 0.50% · 4.625%
HK$21,898
+HK$1,096/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,604/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,808
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,518
−HK$721/mo
Today · 4.125%
HK$24,239
baseline
▲ 0.50% · 4.625%
HK$25,714
+HK$1,475/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$48,478/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,374
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,055
−HK$690/mo
Today · 4.125%
HK$26,745
baseline
▲ 0.50% · 4.625%
HK$28,155
+HK$1,410/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$53,490/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,033 · 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).