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$12,727
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,123
−HK$402/mo
Today · 4.125%
HK$13,525
baseline
▲ 0.50% · 4.625%
HK$14,348
+HK$823/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,050/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,159
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,538
−HK$386/mo
Today · 4.125%
HK$14,924
baseline
▲ 0.50% · 4.625%
HK$15,710
+HK$786/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,848/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,272
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,748
−HK$482/mo
Today · 4.125%
HK$16,230
baseline
▲ 0.50% · 4.625%
HK$17,218
+HK$988/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$32,460/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,990
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,446
−HK$462/mo
Today · 4.125%
HK$17,908
baseline
▲ 0.50% · 4.625%
HK$18,852
+HK$944/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$35,816/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,818
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,372
−HK$563/mo
Today · 4.125%
HK$18,935
baseline
▲ 0.50% · 4.625%
HK$20,087
+HK$1,152/mo
Deposit HK$1.67M · loan HK$3.91M · min. income ≈ HK$37,870/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,822
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,354
−HK$539/mo
Today · 4.125%
HK$20,893
baseline
▲ 0.50% · 4.625%
HK$21,994
+HK$1,101/mo
Deposit HK$1.67M · loan HK$3.91M · min. income ≈ HK$41,786/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,909
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,621
−HK$724/mo
Today · 4.125%
HK$24,345
baseline
▲ 0.50% · 4.625%
HK$25,827
+HK$1,482/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$48,690/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,486
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,169
−HK$694/mo
Today · 4.125%
HK$26,863
baseline
▲ 0.50% · 4.625%
HK$28,279
+HK$1,416/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$53,726/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,582 · 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).