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$12,676
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,071
−HK$400/mo
Today · 4.125%
HK$13,471
baseline
▲ 0.50% · 4.625%
HK$14,291
+HK$820/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,942/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$125,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,102
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,481
−HK$383/mo
Today · 4.125%
HK$14,864
baseline
▲ 0.50% · 4.625%
HK$15,648
+HK$784/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,728/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$125,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,212
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,685
−HK$481/mo
Today · 4.125%
HK$16,166
baseline
▲ 0.50% · 4.625%
HK$17,149
+HK$983/mo
Deposit HK$2.22M · loan HK$3.34M · min. income ≈ HK$32,332/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,923
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,377
−HK$460/mo
Today · 4.125%
HK$17,837
baseline
▲ 0.50% · 4.625%
HK$18,777
+HK$940/mo
Deposit HK$2.22M · loan HK$3.34M · min. income ≈ HK$35,674/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,747
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,299
−HK$561/mo
Today · 4.125%
HK$18,860
baseline
▲ 0.50% · 4.625%
HK$20,007
+HK$1,147/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,720/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,743
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,273
−HK$537/mo
Today · 4.125%
HK$20,810
baseline
▲ 0.50% · 4.625%
HK$21,907
+HK$1,097/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,620/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,818
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,527
−HK$721/mo
Today · 4.125%
HK$24,248
baseline
▲ 0.50% · 4.625%
HK$25,724
+HK$1,476/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$48,496/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,384
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,065
−HK$691/mo
Today · 4.125%
HK$26,756
baseline
▲ 0.50% · 4.625%
HK$28,166
+HK$1,410/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$53,512/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,083 · 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).