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$12,741
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,137
−HK$403/mo
Today · 4.125%
HK$13,540
baseline
▲ 0.50% · 4.625%
HK$14,364
+HK$824/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,080/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,174
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,554
−HK$386/mo
Today · 4.125%
HK$14,940
baseline
▲ 0.50% · 4.625%
HK$15,727
+HK$787/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,880/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,289
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,765
−HK$483/mo
Today · 4.125%
HK$16,248
baseline
▲ 0.50% · 4.625%
HK$17,237
+HK$989/mo
Deposit HK$2.24M · loan HK$3.35M · min. income ≈ HK$32,496/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,009
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,465
−HK$463/mo
Today · 4.125%
HK$17,928
baseline
▲ 0.50% · 4.625%
HK$18,873
+HK$945/mo
Deposit HK$2.24M · loan HK$3.35M · min. income ≈ HK$35,856/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,837
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,392
−HK$564/mo
Today · 4.125%
HK$18,956
baseline
▲ 0.50% · 4.625%
HK$20,109
+HK$1,153/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$37,912/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,844
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,376
−HK$540/mo
Today · 4.125%
HK$20,916
baseline
▲ 0.50% · 4.625%
HK$22,018
+HK$1,102/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$41,832/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,934
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,647
−HK$725/mo
Today · 4.125%
HK$24,372
baseline
▲ 0.50% · 4.625%
HK$25,855
+HK$1,483/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$48,744/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,514
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,198
−HK$694/mo
Today · 4.125%
HK$26,892
baseline
▲ 0.50% · 4.625%
HK$28,309
+HK$1,417/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$53,784/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,719 · 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).