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$12,741
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,138
−HK$402/mo
Today · 4.125%
HK$13,540
baseline
▲ 0.50% · 4.625%
HK$14,364
+HK$824/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,080/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,175
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,555
−HK$386/mo
Today · 4.125%
HK$14,941
baseline
▲ 0.50% · 4.625%
HK$15,728
+HK$787/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,882/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,290
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,765
−HK$483/mo
Today · 4.125%
HK$16,248
baseline
▲ 0.50% · 4.625%
HK$17,237
+HK$989/mo
Deposit HK$2.24M · loan HK$3.35M · min. income ≈ HK$32,496/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,010
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,466
−HK$463/mo
Today · 4.125%
HK$17,929
baseline
▲ 0.50% · 4.625%
HK$18,874
+HK$945/mo
Deposit HK$2.24M · loan HK$3.35M · min. income ≈ HK$35,858/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,838
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,393
−HK$564/mo
Today · 4.125%
HK$18,957
baseline
▲ 0.50% · 4.625%
HK$20,110
+HK$1,153/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$37,914/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,845
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,377
−HK$540/mo
Today · 4.125%
HK$20,917
baseline
▲ 0.50% · 4.625%
HK$22,019
+HK$1,102/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$41,834/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,935
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,648
−HK$725/mo
Today · 4.125%
HK$24,373
baseline
▲ 0.50% · 4.625%
HK$25,856
+HK$1,483/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$48,746/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,514
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,199
−HK$694/mo
Today · 4.125%
HK$26,893
baseline
▲ 0.50% · 4.625%
HK$28,310
+HK$1,417/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$53,786/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,724 · 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).