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$12,710
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,106
−HK$401/mo
Today · 4.125%
HK$13,507
baseline
▲ 0.50% · 4.625%
HK$14,329
+HK$822/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,014/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,140
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,519
−HK$385/mo
Today · 4.125%
HK$14,904
baseline
▲ 0.50% · 4.625%
HK$15,690
+HK$786/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,808/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,252
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,727
−HK$482/mo
Today · 4.125%
HK$16,209
baseline
▲ 0.50% · 4.625%
HK$17,195
+HK$986/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,418/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,968
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,423
−HK$462/mo
Today · 4.125%
HK$17,885
baseline
▲ 0.50% · 4.625%
HK$18,828
+HK$943/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,770/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,795
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,348
−HK$562/mo
Today · 4.125%
HK$18,910
baseline
▲ 0.50% · 4.625%
HK$20,061
+HK$1,151/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,820/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,796
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,327
−HK$539/mo
Today · 4.125%
HK$20,866
baseline
▲ 0.50% · 4.625%
HK$21,966
+HK$1,100/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,732/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,879
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,590
−HK$723/mo
Today · 4.125%
HK$24,313
baseline
▲ 0.50% · 4.625%
HK$25,793
+HK$1,480/mo
Deposit HK$557K · loan HK$5.02M · min. income ≈ HK$48,626/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,452
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,135
−HK$692/mo
Today · 4.125%
HK$26,827
baseline
▲ 0.50% · 4.625%
HK$28,242
+HK$1,415/mo
Deposit HK$557K · loan HK$5.02M · min. income ≈ HK$53,654/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,418 · 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).