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$12,746
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,142
−HK$403/mo
Today · 4.125%
HK$13,545
baseline
▲ 0.50% · 4.625%
HK$14,369
+HK$824/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,090/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,179
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,560
−HK$385/mo
Today · 4.125%
HK$14,945
baseline
▲ 0.50% · 4.625%
HK$15,733
+HK$788/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,890/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,295
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,771
−HK$483/mo
Today · 4.125%
HK$16,254
baseline
▲ 0.50% · 4.625%
HK$17,243
+HK$989/mo
Deposit HK$2.24M · loan HK$3.35M · min. income ≈ HK$32,508/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,015
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,472
−HK$463/mo
Today · 4.125%
HK$17,935
baseline
▲ 0.50% · 4.625%
HK$18,880
+HK$945/mo
Deposit HK$2.24M · loan HK$3.35M · min. income ≈ HK$35,870/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,844
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,399
−HK$564/mo
Today · 4.125%
HK$18,963
baseline
▲ 0.50% · 4.625%
HK$20,117
+HK$1,154/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$37,926/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,851
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,384
−HK$540/mo
Today · 4.125%
HK$20,924
baseline
▲ 0.50% · 4.625%
HK$22,027
+HK$1,103/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$41,848/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,942
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,656
−HK$725/mo
Today · 4.125%
HK$24,381
baseline
▲ 0.50% · 4.625%
HK$25,864
+HK$1,483/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$48,762/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,523
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,207
−HK$695/mo
Today · 4.125%
HK$26,902
baseline
▲ 0.50% · 4.625%
HK$28,320
+HK$1,418/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$53,804/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,766 · 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).