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$12,662
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,055
−HK$401/mo
Today · 4.125%
HK$13,456
baseline
▲ 0.50% · 4.625%
HK$14,274
+HK$818/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,912/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,086
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,464
−HK$383/mo
Today · 4.125%
HK$14,847
baseline
▲ 0.50% · 4.625%
HK$15,629
+HK$782/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,694/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,194
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,667
−HK$480/mo
Today · 4.125%
HK$16,147
baseline
▲ 0.50% · 4.625%
HK$17,129
+HK$982/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,294/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,903
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,356
−HK$460/mo
Today · 4.125%
HK$17,816
baseline
▲ 0.50% · 4.625%
HK$18,755
+HK$939/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,632/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,726
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,278
−HK$560/mo
Today · 4.125%
HK$18,838
baseline
▲ 0.50% · 4.625%
HK$19,984
+HK$1,146/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,676/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,720
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,249
−HK$537/mo
Today · 4.125%
HK$20,786
baseline
▲ 0.50% · 4.625%
HK$21,881
+HK$1,095/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,572/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,791
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,500
−HK$720/mo
Today · 4.125%
HK$24,220
baseline
▲ 0.50% · 4.625%
HK$25,694
+HK$1,474/mo
Deposit HK$555K · loan HK$5.00M · min. income ≈ HK$48,440/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,355
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,035
−HK$689/mo
Today · 4.125%
HK$26,724
baseline
▲ 0.50% · 4.625%
HK$28,133
+HK$1,409/mo
Deposit HK$555K · loan HK$5.00M · min. income ≈ HK$53,448/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,936 · 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).