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$12,710
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,105
−HK$402/mo
Today · 4.125%
HK$13,507
baseline
▲ 0.50% · 4.625%
HK$14,329
+HK$822/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,014/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,139
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,519
−HK$384/mo
Today · 4.125%
HK$14,903
baseline
▲ 0.50% · 4.625%
HK$15,689
+HK$786/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,806/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,252
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,726
−HK$482/mo
Today · 4.125%
HK$16,208
baseline
▲ 0.50% · 4.625%
HK$17,194
+HK$986/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,416/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,967
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,422
−HK$462/mo
Today · 4.125%
HK$17,884
baseline
▲ 0.50% · 4.625%
HK$18,827
+HK$943/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,768/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,794
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,347
−HK$562/mo
Today · 4.125%
HK$18,909
baseline
▲ 0.50% · 4.625%
HK$20,060
+HK$1,151/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,818/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,795
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,326
−HK$539/mo
Today · 4.125%
HK$20,865
baseline
▲ 0.50% · 4.625%
HK$21,964
+HK$1,099/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,730/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,877
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,589
−HK$723/mo
Today · 4.125%
HK$24,312
baseline
▲ 0.50% · 4.625%
HK$25,791
+HK$1,479/mo
Deposit HK$557K · loan HK$5.02M · min. income ≈ HK$48,624/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,451
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,134
−HK$692/mo
Today · 4.125%
HK$26,826
baseline
▲ 0.50% · 4.625%
HK$28,240
+HK$1,414/mo
Deposit HK$557K · loan HK$5.02M · min. income ≈ HK$53,652/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,411 · 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).