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$12,722
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,117
−HK$402/mo
Today · 4.125%
HK$13,519
baseline
▲ 0.50% · 4.625%
HK$14,342
+HK$823/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,038/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,153
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,532
−HK$385/mo
Today · 4.125%
HK$14,917
baseline
▲ 0.50% · 4.625%
HK$15,704
+HK$787/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,834/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,266
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,741
−HK$482/mo
Today · 4.125%
HK$16,223
baseline
▲ 0.50% · 4.625%
HK$17,210
+HK$987/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$32,446/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,983
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,439
−HK$462/mo
Today · 4.125%
HK$17,901
baseline
▲ 0.50% · 4.625%
HK$18,844
+HK$943/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$35,802/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,810
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,364
−HK$563/mo
Today · 4.125%
HK$18,927
baseline
▲ 0.50% · 4.625%
HK$20,079
+HK$1,152/mo
Deposit HK$1.67M · loan HK$3.91M · min. income ≈ HK$37,854/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,814
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,345
−HK$539/mo
Today · 4.125%
HK$20,884
baseline
▲ 0.50% · 4.625%
HK$21,985
+HK$1,101/mo
Deposit HK$1.67M · loan HK$3.91M · min. income ≈ HK$41,768/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,899
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,611
−HK$724/mo
Today · 4.125%
HK$24,335
baseline
▲ 0.50% · 4.625%
HK$25,816
+HK$1,481/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$48,670/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,475
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,158
−HK$693/mo
Today · 4.125%
HK$26,851
baseline
▲ 0.50% · 4.625%
HK$28,267
+HK$1,416/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$53,702/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,529 · 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).