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$12,742
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,138
−HK$403/mo
Today · 4.125%
HK$13,541
baseline
▲ 0.50% · 4.625%
HK$14,365
+HK$824/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,082/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,175
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,556
−HK$385/mo
Today · 4.125%
HK$14,941
baseline
▲ 0.50% · 4.625%
HK$15,729
+HK$788/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,882/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,291
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,766
−HK$483/mo
Today · 4.125%
HK$16,249
baseline
▲ 0.50% · 4.625%
HK$17,238
+HK$989/mo
Deposit HK$2.24M · loan HK$3.35M · min. income ≈ HK$32,498/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,011
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,467
−HK$463/mo
Today · 4.125%
HK$17,930
baseline
▲ 0.50% · 4.625%
HK$18,875
+HK$945/mo
Deposit HK$2.24M · loan HK$3.35M · min. income ≈ HK$35,860/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,839
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,394
−HK$564/mo
Today · 4.125%
HK$18,958
baseline
▲ 0.50% · 4.625%
HK$20,111
+HK$1,153/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$37,916/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,846
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,378
−HK$540/mo
Today · 4.125%
HK$20,918
baseline
▲ 0.50% · 4.625%
HK$22,020
+HK$1,102/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$41,836/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,936
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,649
−HK$725/mo
Today · 4.125%
HK$24,374
baseline
▲ 0.50% · 4.625%
HK$25,857
+HK$1,483/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$48,748/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,516
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,200
−HK$694/mo
Today · 4.125%
HK$26,894
baseline
▲ 0.50% · 4.625%
HK$28,312
+HK$1,418/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$53,788/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,731 · 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).