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$12,684
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,078
−HK$401/mo
Today · 4.125%
HK$13,479
baseline
▲ 0.50% · 4.625%
HK$14,299
+HK$820/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,958/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,110
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,489
−HK$384/mo
Today · 4.125%
HK$14,873
baseline
▲ 0.50% · 4.625%
HK$15,657
+HK$784/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,746/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,220
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,694
−HK$481/mo
Today · 4.125%
HK$16,175
baseline
▲ 0.50% · 4.625%
HK$17,159
+HK$984/mo
Deposit HK$2.22M · loan HK$3.34M · min. income ≈ HK$32,350/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,932
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,387
−HK$460/mo
Today · 4.125%
HK$17,847
baseline
▲ 0.50% · 4.625%
HK$18,788
+HK$941/mo
Deposit HK$2.22M · loan HK$3.34M · min. income ≈ HK$35,694/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,757
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,309
−HK$562/mo
Today · 4.125%
HK$18,871
baseline
▲ 0.50% · 4.625%
HK$20,019
+HK$1,148/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,742/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,755
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,284
−HK$538/mo
Today · 4.125%
HK$20,822
baseline
▲ 0.50% · 4.625%
HK$21,919
+HK$1,097/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,644/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,831
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,541
−HK$721/mo
Today · 4.125%
HK$24,262
baseline
▲ 0.50% · 4.625%
HK$25,738
+HK$1,476/mo
Deposit HK$556K · loan HK$5.01M · min. income ≈ HK$48,524/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,399
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,080
−HK$691/mo
Today · 4.125%
HK$26,771
baseline
▲ 0.50% · 4.625%
HK$28,182
+HK$1,411/mo
Deposit HK$556K · loan HK$5.01M · min. income ≈ HK$53,542/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,154 · 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).