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$12,659
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,052
−HK$400/mo
Today · 4.125%
HK$13,452
baseline
▲ 0.50% · 4.625%
HK$14,271
+HK$819/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,904/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,083
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,460
−HK$383/mo
Today · 4.125%
HK$14,843
baseline
▲ 0.50% · 4.625%
HK$15,626
+HK$783/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,686/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,190
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,663
−HK$480/mo
Today · 4.125%
HK$16,143
baseline
▲ 0.50% · 4.625%
HK$17,125
+HK$982/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,286/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,899
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,352
−HK$460/mo
Today · 4.125%
HK$17,812
baseline
▲ 0.50% · 4.625%
HK$18,751
+HK$939/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,624/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,722
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,273
−HK$560/mo
Today · 4.125%
HK$18,833
baseline
▲ 0.50% · 4.625%
HK$19,979
+HK$1,146/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,666/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,716
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,244
−HK$537/mo
Today · 4.125%
HK$20,781
baseline
▲ 0.50% · 4.625%
HK$21,876
+HK$1,095/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,562/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,785
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,494
−HK$720/mo
Today · 4.125%
HK$24,214
baseline
▲ 0.50% · 4.625%
HK$25,688
+HK$1,474/mo
Deposit HK$555K · loan HK$5.00M · min. income ≈ HK$48,428/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,349
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,028
−HK$690/mo
Today · 4.125%
HK$26,718
baseline
▲ 0.50% · 4.625%
HK$28,126
+HK$1,408/mo
Deposit HK$555K · loan HK$5.00M · min. income ≈ HK$53,436/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,906 · 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).