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$12,657
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,050
−HK$400/mo
Today · 4.125%
HK$13,450
baseline
▲ 0.50% · 4.625%
HK$14,269
+HK$819/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,900/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,080
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,458
−HK$383/mo
Today · 4.125%
HK$14,841
baseline
▲ 0.50% · 4.625%
HK$15,623
+HK$782/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,682/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,188
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,660
−HK$480/mo
Today · 4.125%
HK$16,140
baseline
▲ 0.50% · 4.625%
HK$17,122
+HK$982/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,280/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,896
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,349
−HK$460/mo
Today · 4.125%
HK$17,809
baseline
▲ 0.50% · 4.625%
HK$18,748
+HK$939/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,618/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,719
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,270
−HK$560/mo
Today · 4.125%
HK$18,830
baseline
▲ 0.50% · 4.625%
HK$19,976
+HK$1,146/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,660/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,712
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,241
−HK$536/mo
Today · 4.125%
HK$20,777
baseline
▲ 0.50% · 4.625%
HK$21,873
+HK$1,096/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,554/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,782
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,490
−HK$720/mo
Today · 4.125%
HK$24,210
baseline
▲ 0.50% · 4.625%
HK$25,684
+HK$1,474/mo
Deposit HK$555K · loan HK$5.00M · min. income ≈ HK$48,420/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,344
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,024
−HK$690/mo
Today · 4.125%
HK$26,714
baseline
▲ 0.50% · 4.625%
HK$28,122
+HK$1,408/mo
Deposit HK$555K · loan HK$5.00M · min. income ≈ HK$53,428/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,886 · 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).