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$12,662
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,056
−HK$401/mo
Today · 4.125%
HK$13,457
baseline
▲ 0.50% · 4.625%
HK$14,275
+HK$818/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,914/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,087
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,465
−HK$383/mo
Today · 4.125%
HK$14,848
baseline
▲ 0.50% · 4.625%
HK$15,631
+HK$783/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,696/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,195
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,668
−HK$480/mo
Today · 4.125%
HK$16,148
baseline
▲ 0.50% · 4.625%
HK$17,130
+HK$982/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,296/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,904
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,358
−HK$460/mo
Today · 4.125%
HK$17,818
baseline
▲ 0.50% · 4.625%
HK$18,757
+HK$939/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,636/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,727
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,279
−HK$560/mo
Today · 4.125%
HK$18,839
baseline
▲ 0.50% · 4.625%
HK$19,985
+HK$1,146/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,678/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,722
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,251
−HK$536/mo
Today · 4.125%
HK$20,787
baseline
▲ 0.50% · 4.625%
HK$21,883
+HK$1,096/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,574/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,792
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,501
−HK$721/mo
Today · 4.125%
HK$24,222
baseline
▲ 0.50% · 4.625%
HK$25,696
+HK$1,474/mo
Deposit HK$555K · loan HK$5.00M · min. income ≈ HK$48,444/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,356
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,036
−HK$690/mo
Today · 4.125%
HK$26,726
baseline
▲ 0.50% · 4.625%
HK$28,135
+HK$1,409/mo
Deposit HK$555K · loan HK$5.00M · min. income ≈ HK$53,452/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,945 · 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).