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$12,663
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,057
−HK$400/mo
Today · 4.125%
HK$13,457
baseline
▲ 0.50% · 4.625%
HK$14,276
+HK$819/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,914/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,088
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,465
−HK$384/mo
Today · 4.125%
HK$14,849
baseline
▲ 0.50% · 4.625%
HK$15,631
+HK$782/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,698/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,196
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,668
−HK$481/mo
Today · 4.125%
HK$16,149
baseline
▲ 0.50% · 4.625%
HK$17,131
+HK$982/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,298/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,905
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,359
−HK$459/mo
Today · 4.125%
HK$17,818
baseline
▲ 0.50% · 4.625%
HK$18,758
+HK$940/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,636/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,728
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,280
−HK$560/mo
Today · 4.125%
HK$18,840
baseline
▲ 0.50% · 4.625%
HK$19,987
+HK$1,147/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,680/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,723
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,252
−HK$536/mo
Today · 4.125%
HK$20,788
baseline
▲ 0.50% · 4.625%
HK$21,884
+HK$1,096/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,576/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,794
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,503
−HK$720/mo
Today · 4.125%
HK$24,223
baseline
▲ 0.50% · 4.625%
HK$25,697
+HK$1,474/mo
Deposit HK$555K · loan HK$5.00M · min. income ≈ HK$48,446/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,358
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,038
−HK$690/mo
Today · 4.125%
HK$26,728
baseline
▲ 0.50% · 4.625%
HK$28,137
+HK$1,409/mo
Deposit HK$555K · loan HK$5.00M · min. income ≈ HK$53,456/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,952 · 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).