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$12,682
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,077
−HK$400/mo
Today · 4.125%
HK$13,477
baseline
▲ 0.50% · 4.625%
HK$14,297
+HK$820/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,954/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,109
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,487
−HK$384/mo
Today · 4.125%
HK$14,871
baseline
▲ 0.50% · 4.625%
HK$15,655
+HK$784/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,742/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,219
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,692
−HK$481/mo
Today · 4.125%
HK$16,173
baseline
▲ 0.50% · 4.625%
HK$17,157
+HK$984/mo
Deposit HK$2.22M · loan HK$3.34M · min. income ≈ HK$32,346/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,930
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,385
−HK$460/mo
Today · 4.125%
HK$17,845
baseline
▲ 0.50% · 4.625%
HK$18,786
+HK$941/mo
Deposit HK$2.22M · loan HK$3.34M · min. income ≈ HK$35,690/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,755
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,307
−HK$561/mo
Today · 4.125%
HK$18,868
baseline
▲ 0.50% · 4.625%
HK$20,016
+HK$1,148/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,736/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,752
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,282
−HK$537/mo
Today · 4.125%
HK$20,819
baseline
▲ 0.50% · 4.625%
HK$21,917
+HK$1,098/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,638/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,828
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,538
−HK$721/mo
Today · 4.125%
HK$24,259
baseline
▲ 0.50% · 4.625%
HK$25,735
+HK$1,476/mo
Deposit HK$556K · loan HK$5.01M · min. income ≈ HK$48,518/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,396
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,077
−HK$691/mo
Today · 4.125%
HK$26,768
baseline
▲ 0.50% · 4.625%
HK$28,179
+HK$1,411/mo
Deposit HK$556K · loan HK$5.01M · min. income ≈ HK$53,536/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,139 · 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).