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$797/mo
▼ 0.25% · 3.875%
HK$13,090
−HK$402/mo
Today · 4.125%
HK$13,492
baseline
▲ 0.50% · 4.625%
HK$14,313
+HK$821/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,984/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,124
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,502
−HK$385/mo
Today · 4.125%
HK$14,887
baseline
▲ 0.50% · 4.625%
HK$15,671
+HK$784/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,774/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,235
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,708
−HK$482/mo
Today · 4.125%
HK$16,190
baseline
▲ 0.50% · 4.625%
HK$17,175
+HK$985/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,380/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,948
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,403
−HK$461/mo
Today · 4.125%
HK$17,864
baseline
▲ 0.50% · 4.625%
HK$18,806
+HK$942/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,728/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,774
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,327
−HK$561/mo
Today · 4.125%
HK$18,888
baseline
▲ 0.50% · 4.625%
HK$20,038
+HK$1,150/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,776/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,773
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,303
−HK$538/mo
Today · 4.125%
HK$20,841
baseline
▲ 0.50% · 4.625%
HK$21,940
+HK$1,099/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,682/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,852
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,563
−HK$722/mo
Today · 4.125%
HK$24,285
baseline
▲ 0.50% · 4.625%
HK$25,763
+HK$1,478/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$48,570/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,422
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,104
−HK$692/mo
Today · 4.125%
HK$26,796
baseline
▲ 0.50% · 4.625%
HK$28,208
+HK$1,412/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$53,592/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,271 · 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).