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$12,735
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,131
−HK$402/mo
Today · 4.125%
HK$13,533
baseline
▲ 0.50% · 4.625%
HK$14,357
+HK$824/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,066/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,167
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,547
−HK$386/mo
Today · 4.125%
HK$14,933
baseline
▲ 0.50% · 4.625%
HK$15,720
+HK$787/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,866/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,282
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,757
−HK$483/mo
Today · 4.125%
HK$16,240
baseline
▲ 0.50% · 4.625%
HK$17,228
+HK$988/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$32,480/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,001
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,457
−HK$462/mo
Today · 4.125%
HK$17,919
baseline
▲ 0.50% · 4.625%
HK$18,864
+HK$945/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$35,838/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,829
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,383
−HK$564/mo
Today · 4.125%
HK$18,947
baseline
▲ 0.50% · 4.625%
HK$20,100
+HK$1,153/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$37,894/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,834
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,366
−HK$540/mo
Today · 4.125%
HK$20,906
baseline
▲ 0.50% · 4.625%
HK$22,008
+HK$1,102/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$41,812/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,923
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,636
−HK$724/mo
Today · 4.125%
HK$24,360
baseline
▲ 0.50% · 4.625%
HK$25,843
+HK$1,483/mo
Deposit HK$558K · loan HK$5.03M · min. income ≈ HK$48,720/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,501
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,185
−HK$694/mo
Today · 4.125%
HK$26,879
baseline
▲ 0.50% · 4.625%
HK$28,296
+HK$1,417/mo
Deposit HK$558K · loan HK$5.03M · min. income ≈ HK$53,758/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,660 · 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).