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$12,732
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,128
−HK$402/mo
Today · 4.125%
HK$13,530
baseline
▲ 0.50% · 4.625%
HK$14,354
+HK$824/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,060/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,164
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,544
−HK$385/mo
Today · 4.125%
HK$14,929
baseline
▲ 0.50% · 4.625%
HK$15,716
+HK$787/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,858/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,278
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,754
−HK$482/mo
Today · 4.125%
HK$16,236
baseline
▲ 0.50% · 4.625%
HK$17,224
+HK$988/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$32,472/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,997
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,453
−HK$462/mo
Today · 4.125%
HK$17,915
baseline
▲ 0.50% · 4.625%
HK$18,860
+HK$945/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$35,830/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,825
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,379
−HK$564/mo
Today · 4.125%
HK$18,943
baseline
▲ 0.50% · 4.625%
HK$20,095
+HK$1,152/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$37,886/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,830
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,362
−HK$539/mo
Today · 4.125%
HK$20,901
baseline
▲ 0.50% · 4.625%
HK$22,003
+HK$1,102/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$41,802/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,918
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,630
−HK$725/mo
Today · 4.125%
HK$24,355
baseline
▲ 0.50% · 4.625%
HK$25,837
+HK$1,482/mo
Deposit HK$558K · loan HK$5.03M · min. income ≈ HK$48,710/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,496
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,179
−HK$694/mo
Today · 4.125%
HK$26,873
baseline
▲ 0.50% · 4.625%
HK$28,289
+HK$1,416/mo
Deposit HK$558K · loan HK$5.03M · min. income ≈ HK$53,746/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,631 · 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).