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$12,700
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,095
−HK$402/mo
Today · 4.125%
HK$13,497
baseline
▲ 0.50% · 4.625%
HK$14,318
+HK$821/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,994/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,129
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,508
−HK$384/mo
Today · 4.125%
HK$14,892
baseline
▲ 0.50% · 4.625%
HK$15,677
+HK$785/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,784/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,240
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,714
−HK$482/mo
Today · 4.125%
HK$16,196
baseline
▲ 0.50% · 4.625%
HK$17,181
+HK$985/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,392/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,955
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,409
−HK$462/mo
Today · 4.125%
HK$17,871
baseline
▲ 0.50% · 4.625%
HK$18,813
+HK$942/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,742/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,780
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,333
−HK$562/mo
Today · 4.125%
HK$18,895
baseline
▲ 0.50% · 4.625%
HK$20,045
+HK$1,150/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,790/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,780
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,311
−HK$538/mo
Today · 4.125%
HK$20,849
baseline
▲ 0.50% · 4.625%
HK$21,948
+HK$1,099/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,698/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,860
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,571
−HK$723/mo
Today · 4.125%
HK$24,294
baseline
▲ 0.50% · 4.625%
HK$25,772
+HK$1,478/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$48,588/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,432
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,114
−HK$692/mo
Today · 4.125%
HK$26,806
baseline
▲ 0.50% · 4.625%
HK$28,219
+HK$1,413/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$53,612/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,318 · 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).