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$12,720
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,116
−HK$402/mo
Today · 4.125%
HK$13,518
baseline
▲ 0.50% · 4.625%
HK$14,341
+HK$823/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,036/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,151
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,531
−HK$385/mo
Today · 4.125%
HK$14,916
baseline
▲ 0.50% · 4.625%
HK$15,702
+HK$786/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,832/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,264
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,739
−HK$483/mo
Today · 4.125%
HK$16,222
baseline
▲ 0.50% · 4.625%
HK$17,209
+HK$987/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$32,444/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,982
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,437
−HK$462/mo
Today · 4.125%
HK$17,899
baseline
▲ 0.50% · 4.625%
HK$18,843
+HK$944/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$35,798/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,809
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,363
−HK$562/mo
Today · 4.125%
HK$18,925
baseline
▲ 0.50% · 4.625%
HK$20,077
+HK$1,152/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,850/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,812
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,343
−HK$539/mo
Today · 4.125%
HK$20,882
baseline
▲ 0.50% · 4.625%
HK$21,983
+HK$1,101/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,764/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,897
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,609
−HK$724/mo
Today · 4.125%
HK$24,333
baseline
▲ 0.50% · 4.625%
HK$25,813
+HK$1,480/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$48,666/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,472
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,156
−HK$693/mo
Today · 4.125%
HK$26,849
baseline
▲ 0.50% · 4.625%
HK$28,264
+HK$1,415/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$53,698/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,517 · 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).