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$12,678
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,072
−HK$401/mo
Today · 4.125%
HK$13,473
baseline
▲ 0.50% · 4.625%
HK$14,293
+HK$820/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,946/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$125,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,104
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,482
−HK$384/mo
Today · 4.125%
HK$14,866
baseline
▲ 0.50% · 4.625%
HK$15,649
+HK$783/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,732/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$125,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,213
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,686
−HK$481/mo
Today · 4.125%
HK$16,167
baseline
▲ 0.50% · 4.625%
HK$17,151
+HK$984/mo
Deposit HK$2.22M · loan HK$3.34M · min. income ≈ HK$32,334/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,925
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,379
−HK$460/mo
Today · 4.125%
HK$17,839
baseline
▲ 0.50% · 4.625%
HK$18,779
+HK$940/mo
Deposit HK$2.22M · loan HK$3.34M · min. income ≈ HK$35,678/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,749
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,301
−HK$561/mo
Today · 4.125%
HK$18,862
baseline
▲ 0.50% · 4.625%
HK$20,010
+HK$1,148/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,724/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,745
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,275
−HK$537/mo
Today · 4.125%
HK$20,812
baseline
▲ 0.50% · 4.625%
HK$21,909
+HK$1,097/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,624/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,820
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,530
−HK$721/mo
Today · 4.125%
HK$24,251
baseline
▲ 0.50% · 4.625%
HK$25,727
+HK$1,476/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$48,502/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,387
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,068
−HK$691/mo
Today · 4.125%
HK$26,759
baseline
▲ 0.50% · 4.625%
HK$28,169
+HK$1,410/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$53,518/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,096 · 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).