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$12,723
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,119
−HK$402/mo
Today · 4.125%
HK$13,521
baseline
▲ 0.50% · 4.625%
HK$14,344
+HK$823/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,042/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,154
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,534
−HK$385/mo
Today · 4.125%
HK$14,919
baseline
▲ 0.50% · 4.625%
HK$15,705
+HK$786/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,838/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,268
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,743
−HK$482/mo
Today · 4.125%
HK$16,225
baseline
▲ 0.50% · 4.625%
HK$17,212
+HK$987/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$32,450/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,985
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,441
−HK$462/mo
Today · 4.125%
HK$17,903
baseline
▲ 0.50% · 4.625%
HK$18,846
+HK$943/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$35,806/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,812
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,366
−HK$563/mo
Today · 4.125%
HK$18,929
baseline
▲ 0.50% · 4.625%
HK$20,081
+HK$1,152/mo
Deposit HK$1.67M · loan HK$3.91M · min. income ≈ HK$37,858/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,816
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,347
−HK$539/mo
Today · 4.125%
HK$20,886
baseline
▲ 0.50% · 4.625%
HK$21,987
+HK$1,101/mo
Deposit HK$1.67M · loan HK$3.91M · min. income ≈ HK$41,772/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,901
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,614
−HK$724/mo
Today · 4.125%
HK$24,338
baseline
▲ 0.50% · 4.625%
HK$25,818
+HK$1,480/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$48,676/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,478
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,161
−HK$693/mo
Today · 4.125%
HK$26,854
baseline
▲ 0.50% · 4.625%
HK$28,270
+HK$1,416/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$53,708/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,542 · 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).