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$12,695
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,089
−HK$402/mo
Today · 4.125%
HK$13,491
baseline
▲ 0.50% · 4.625%
HK$14,311
+HK$820/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,982/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,123
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,501
−HK$385/mo
Today · 4.125%
HK$14,886
baseline
▲ 0.50% · 4.625%
HK$15,670
+HK$784/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,772/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,233
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,707
−HK$482/mo
Today · 4.125%
HK$16,189
baseline
▲ 0.50% · 4.625%
HK$17,174
+HK$985/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,378/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,947
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,402
−HK$461/mo
Today · 4.125%
HK$17,863
baseline
▲ 0.50% · 4.625%
HK$18,804
+HK$941/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,726/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,772
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,325
−HK$562/mo
Today · 4.125%
HK$18,887
baseline
▲ 0.50% · 4.625%
HK$20,036
+HK$1,149/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,774/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,772
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,302
−HK$538/mo
Today · 4.125%
HK$20,840
baseline
▲ 0.50% · 4.625%
HK$21,938
+HK$1,098/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,680/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,850
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,561
−HK$722/mo
Today · 4.125%
HK$24,283
baseline
▲ 0.50% · 4.625%
HK$25,761
+HK$1,478/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$48,566/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,421
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,102
−HK$692/mo
Today · 4.125%
HK$26,794
baseline
▲ 0.50% · 4.625%
HK$28,206
+HK$1,412/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$53,588/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,262 · 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).