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$12,705
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,100
−HK$402/mo
Today · 4.125%
HK$13,502
baseline
▲ 0.50% · 4.625%
HK$14,324
+HK$822/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,004/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,134
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,514
−HK$384/mo
Today · 4.125%
HK$14,898
baseline
▲ 0.50% · 4.625%
HK$15,683
+HK$785/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,796/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,246
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,721
−HK$481/mo
Today · 4.125%
HK$16,202
baseline
▲ 0.50% · 4.625%
HK$17,188
+HK$986/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,404/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,961
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,416
−HK$462/mo
Today · 4.125%
HK$17,878
baseline
▲ 0.50% · 4.625%
HK$18,820
+HK$942/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,756/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,787
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,341
−HK$562/mo
Today · 4.125%
HK$18,903
baseline
▲ 0.50% · 4.625%
HK$20,053
+HK$1,150/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,806/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,788
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,319
−HK$538/mo
Today · 4.125%
HK$20,857
baseline
▲ 0.50% · 4.625%
HK$21,957
+HK$1,100/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,714/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,869
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,581
−HK$723/mo
Today · 4.125%
HK$24,304
baseline
▲ 0.50% · 4.625%
HK$25,782
+HK$1,478/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$48,608/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,442
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,124
−HK$693/mo
Today · 4.125%
HK$26,817
baseline
▲ 0.50% · 4.625%
HK$28,230
+HK$1,413/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$53,634/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,367 · 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).