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$12,694
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,088
−HK$402/mo
Today · 4.125%
HK$13,490
baseline
▲ 0.50% · 4.625%
HK$14,310
+HK$820/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,980/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,121
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,500
−HK$384/mo
Today · 4.125%
HK$14,884
baseline
▲ 0.50% · 4.625%
HK$15,669
+HK$785/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,768/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,232
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,706
−HK$481/mo
Today · 4.125%
HK$16,187
baseline
▲ 0.50% · 4.625%
HK$17,172
+HK$985/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,374/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,946
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,400
−HK$461/mo
Today · 4.125%
HK$17,861
baseline
▲ 0.50% · 4.625%
HK$18,803
+HK$942/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,722/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,771
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,324
−HK$561/mo
Today · 4.125%
HK$18,885
baseline
▲ 0.50% · 4.625%
HK$20,034
+HK$1,149/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,770/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,770
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,300
−HK$538/mo
Today · 4.125%
HK$20,838
baseline
▲ 0.50% · 4.625%
HK$21,936
+HK$1,098/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,676/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,848
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,559
−HK$722/mo
Today · 4.125%
HK$24,281
baseline
▲ 0.50% · 4.625%
HK$25,759
+HK$1,478/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$48,562/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,419
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,100
−HK$692/mo
Today · 4.125%
HK$26,792
baseline
▲ 0.50% · 4.625%
HK$28,204
+HK$1,412/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$53,584/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,251 · 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).