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$12,672
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,066
−HK$401/mo
Today · 4.125%
HK$13,467
baseline
▲ 0.50% · 4.625%
HK$14,286
+HK$819/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,934/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$125,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,098
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,476
−HK$383/mo
Today · 4.125%
HK$14,859
baseline
▲ 0.50% · 4.625%
HK$15,643
+HK$784/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,718/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$125,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,207
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,680
−HK$480/mo
Today · 4.125%
HK$16,160
baseline
▲ 0.50% · 4.625%
HK$17,144
+HK$984/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,320/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,917
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,371
−HK$460/mo
Today · 4.125%
HK$17,831
baseline
▲ 0.50% · 4.625%
HK$18,771
+HK$940/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,662/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,741
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,293
−HK$561/mo
Today · 4.125%
HK$18,854
baseline
▲ 0.50% · 4.625%
HK$20,001
+HK$1,147/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,708/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,737
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,266
−HK$537/mo
Today · 4.125%
HK$20,803
baseline
▲ 0.50% · 4.625%
HK$21,900
+HK$1,097/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,606/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,810
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,519
−HK$721/mo
Today · 4.125%
HK$24,240
baseline
▲ 0.50% · 4.625%
HK$25,715
+HK$1,475/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$48,480/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,376
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,056
−HK$691/mo
Today · 4.125%
HK$26,747
baseline
▲ 0.50% · 4.625%
HK$28,157
+HK$1,410/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$53,494/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,041 · 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).