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$12,656
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,050
−HK$400/mo
Today · 4.125%
HK$13,450
baseline
▲ 0.50% · 4.625%
HK$14,268
+HK$818/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,900/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,080
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,457
−HK$383/mo
Today · 4.125%
HK$14,840
baseline
▲ 0.50% · 4.625%
HK$15,623
+HK$783/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,680/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,187
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,660
−HK$480/mo
Today · 4.125%
HK$16,140
baseline
▲ 0.50% · 4.625%
HK$17,122
+HK$982/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,280/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,896
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,349
−HK$460/mo
Today · 4.125%
HK$17,809
baseline
▲ 0.50% · 4.625%
HK$18,747
+HK$938/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,618/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,719
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,270
−HK$560/mo
Today · 4.125%
HK$18,830
baseline
▲ 0.50% · 4.625%
HK$19,975
+HK$1,145/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,660/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,712
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,240
−HK$537/mo
Today · 4.125%
HK$20,777
baseline
▲ 0.50% · 4.625%
HK$21,872
+HK$1,095/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,554/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,781
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,490
−HK$720/mo
Today · 4.125%
HK$24,210
baseline
▲ 0.50% · 4.625%
HK$25,683
+HK$1,473/mo
Deposit HK$555K · loan HK$5.00M · min. income ≈ HK$48,420/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,344
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,023
−HK$690/mo
Today · 4.125%
HK$26,713
baseline
▲ 0.50% · 4.625%
HK$28,121
+HK$1,408/mo
Deposit HK$555K · loan HK$5.00M · min. income ≈ HK$53,426/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,882 · 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).