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$12,712
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,107
−HK$402/mo
Today · 4.125%
HK$13,509
baseline
▲ 0.50% · 4.625%
HK$14,331
+HK$822/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,018/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,142
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,521
−HK$385/mo
Today · 4.125%
HK$14,906
baseline
▲ 0.50% · 4.625%
HK$15,692
+HK$786/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,812/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,254
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,729
−HK$482/mo
Today · 4.125%
HK$16,211
baseline
▲ 0.50% · 4.625%
HK$17,197
+HK$986/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,422/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,970
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,426
−HK$461/mo
Today · 4.125%
HK$17,887
baseline
▲ 0.50% · 4.625%
HK$18,830
+HK$943/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,774/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,797
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,350
−HK$563/mo
Today · 4.125%
HK$18,913
baseline
▲ 0.50% · 4.625%
HK$20,064
+HK$1,151/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,826/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,799
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,330
−HK$539/mo
Today · 4.125%
HK$20,869
baseline
▲ 0.50% · 4.625%
HK$21,969
+HK$1,100/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,738/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,882
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,593
−HK$724/mo
Today · 4.125%
HK$24,317
baseline
▲ 0.50% · 4.625%
HK$25,796
+HK$1,479/mo
Deposit HK$557K · loan HK$5.02M · min. income ≈ HK$48,634/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,456
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,138
−HK$693/mo
Today · 4.125%
HK$26,831
baseline
▲ 0.50% · 4.625%
HK$28,245
+HK$1,414/mo
Deposit HK$557K · loan HK$5.02M · min. income ≈ HK$53,662/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,435 · 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).