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$12,691
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,086
−HK$401/mo
Today · 4.125%
HK$13,487
baseline
▲ 0.50% · 4.625%
HK$14,308
+HK$821/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,974/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,119
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,498
−HK$384/mo
Today · 4.125%
HK$14,882
baseline
▲ 0.50% · 4.625%
HK$15,666
+HK$784/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,764/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,230
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,704
−HK$481/mo
Today · 4.125%
HK$16,185
baseline
▲ 0.50% · 4.625%
HK$17,170
+HK$985/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,370/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,943
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,397
−HK$461/mo
Today · 4.125%
HK$17,858
baseline
▲ 0.50% · 4.625%
HK$18,800
+HK$942/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,716/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,768
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,321
−HK$561/mo
Today · 4.125%
HK$18,882
baseline
▲ 0.50% · 4.625%
HK$20,031
+HK$1,149/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,764/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,767
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,297
−HK$538/mo
Today · 4.125%
HK$20,835
baseline
▲ 0.50% · 4.625%
HK$21,933
+HK$1,098/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,670/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,845
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,555
−HK$722/mo
Today · 4.125%
HK$24,277
baseline
▲ 0.50% · 4.625%
HK$25,754
+HK$1,477/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$48,554/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,414
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,096
−HK$692/mo
Today · 4.125%
HK$26,788
baseline
▲ 0.50% · 4.625%
HK$28,200
+HK$1,412/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$53,576/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,231 · 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).