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$12,708
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,103
−HK$402/mo
Today · 4.125%
HK$13,505
baseline
▲ 0.50% · 4.625%
HK$14,326
+HK$821/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,010/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,137
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,516
−HK$385/mo
Today · 4.125%
HK$14,901
baseline
▲ 0.50% · 4.625%
HK$15,686
+HK$785/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,802/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,249
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,724
−HK$481/mo
Today · 4.125%
HK$16,205
baseline
▲ 0.50% · 4.625%
HK$17,192
+HK$987/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,410/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,965
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,420
−HK$461/mo
Today · 4.125%
HK$17,881
baseline
▲ 0.50% · 4.625%
HK$18,824
+HK$943/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,762/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,791
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,344
−HK$562/mo
Today · 4.125%
HK$18,906
baseline
▲ 0.50% · 4.625%
HK$20,057
+HK$1,151/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,812/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,792
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,323
−HK$538/mo
Today · 4.125%
HK$20,861
baseline
▲ 0.50% · 4.625%
HK$21,961
+HK$1,100/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,722/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,874
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,585
−HK$723/mo
Today · 4.125%
HK$24,308
baseline
▲ 0.50% · 4.625%
HK$25,787
+HK$1,479/mo
Deposit HK$557K · loan HK$5.02M · min. income ≈ HK$48,616/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,447
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,129
−HK$693/mo
Today · 4.125%
HK$26,822
baseline
▲ 0.50% · 4.625%
HK$28,236
+HK$1,414/mo
Deposit HK$557K · loan HK$5.02M · min. income ≈ HK$53,644/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,391 · 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).