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$12,664
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,058
−HK$400/mo
Today · 4.125%
HK$13,458
baseline
▲ 0.50% · 4.625%
HK$14,277
+HK$819/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,916/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,088
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,466
−HK$384/mo
Today · 4.125%
HK$14,850
baseline
▲ 0.50% · 4.625%
HK$15,632
+HK$782/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,700/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,197
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,669
−HK$481/mo
Today · 4.125%
HK$16,150
baseline
▲ 0.50% · 4.625%
HK$17,132
+HK$982/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,300/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,906
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,360
−HK$459/mo
Today · 4.125%
HK$17,819
baseline
▲ 0.50% · 4.625%
HK$18,759
+HK$940/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,638/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,729
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,281
−HK$560/mo
Today · 4.125%
HK$18,841
baseline
▲ 0.50% · 4.625%
HK$19,988
+HK$1,147/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,682/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,724
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,253
−HK$536/mo
Today · 4.125%
HK$20,789
baseline
▲ 0.50% · 4.625%
HK$21,885
+HK$1,096/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,578/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,795
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,504
−HK$720/mo
Today · 4.125%
HK$24,224
baseline
▲ 0.50% · 4.625%
HK$25,698
+HK$1,474/mo
Deposit HK$555K · loan HK$5.00M · min. income ≈ HK$48,448/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,359
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,039
−HK$690/mo
Today · 4.125%
HK$26,729
baseline
▲ 0.50% · 4.625%
HK$28,138
+HK$1,409/mo
Deposit HK$555K · loan HK$5.00M · min. income ≈ HK$53,458/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,959 · 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).