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$12,717
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,112
−HK$402/mo
Today · 4.125%
HK$13,514
baseline
▲ 0.50% · 4.625%
HK$14,337
+HK$823/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,028/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,147
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,527
−HK$385/mo
Today · 4.125%
HK$14,912
baseline
▲ 0.50% · 4.625%
HK$15,698
+HK$786/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,824/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,260
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,735
−HK$482/mo
Today · 4.125%
HK$16,217
baseline
▲ 0.50% · 4.625%
HK$17,204
+HK$987/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$32,434/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,977
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,432
−HK$462/mo
Today · 4.125%
HK$17,894
baseline
▲ 0.50% · 4.625%
HK$18,837
+HK$943/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$35,788/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,804
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,357
−HK$563/mo
Today · 4.125%
HK$18,920
baseline
▲ 0.50% · 4.625%
HK$20,071
+HK$1,151/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,840/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,806
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,337
−HK$539/mo
Today · 4.125%
HK$20,876
baseline
▲ 0.50% · 4.625%
HK$21,977
+HK$1,101/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,752/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,890
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,602
−HK$724/mo
Today · 4.125%
HK$24,326
baseline
▲ 0.50% · 4.625%
HK$25,806
+HK$1,480/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$48,652/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,465
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,148
−HK$693/mo
Today · 4.125%
HK$26,841
baseline
▲ 0.50% · 4.625%
HK$28,256
+HK$1,415/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$53,682/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,481 · 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).