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$12,685
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,080
−HK$401/mo
Today · 4.125%
HK$13,481
baseline
▲ 0.50% · 4.625%
HK$14,301
+HK$820/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,962/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,112
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,491
−HK$384/mo
Today · 4.125%
HK$14,875
baseline
▲ 0.50% · 4.625%
HK$15,659
+HK$784/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,750/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,222
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,696
−HK$481/mo
Today · 4.125%
HK$16,177
baseline
▲ 0.50% · 4.625%
HK$17,161
+HK$984/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,354/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,935
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,389
−HK$460/mo
Today · 4.125%
HK$17,849
baseline
▲ 0.50% · 4.625%
HK$18,790
+HK$941/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,698/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,759
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,312
−HK$561/mo
Today · 4.125%
HK$18,873
baseline
▲ 0.50% · 4.625%
HK$20,021
+HK$1,148/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,746/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,757
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,287
−HK$537/mo
Today · 4.125%
HK$20,824
baseline
▲ 0.50% · 4.625%
HK$21,922
+HK$1,098/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,648/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,833
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,544
−HK$721/mo
Today · 4.125%
HK$24,265
baseline
▲ 0.50% · 4.625%
HK$25,742
+HK$1,477/mo
Deposit HK$556K · loan HK$5.01M · min. income ≈ HK$48,530/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,402
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,083
−HK$691/mo
Today · 4.125%
HK$26,774
baseline
▲ 0.50% · 4.625%
HK$28,185
+HK$1,411/mo
Deposit HK$556K · loan HK$5.01M · min. income ≈ HK$53,548/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,169 · 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).