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$12,730
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,126
−HK$402/mo
Today · 4.125%
HK$13,528
baseline
▲ 0.50% · 4.625%
HK$14,352
+HK$824/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,056/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,162
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,542
−HK$385/mo
Today · 4.125%
HK$14,927
baseline
▲ 0.50% · 4.625%
HK$15,714
+HK$787/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,854/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,276
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,751
−HK$483/mo
Today · 4.125%
HK$16,234
baseline
▲ 0.50% · 4.625%
HK$17,222
+HK$988/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$32,468/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,994
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,450
−HK$463/mo
Today · 4.125%
HK$17,913
baseline
▲ 0.50% · 4.625%
HK$18,857
+HK$944/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$35,826/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,822
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,376
−HK$564/mo
Today · 4.125%
HK$18,940
baseline
▲ 0.50% · 4.625%
HK$20,092
+HK$1,152/mo
Deposit HK$1.67M · loan HK$3.91M · min. income ≈ HK$37,880/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,827
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,359
−HK$539/mo
Today · 4.125%
HK$20,898
baseline
▲ 0.50% · 4.625%
HK$22,000
+HK$1,102/mo
Deposit HK$1.67M · loan HK$3.91M · min. income ≈ HK$41,796/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,914
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,627
−HK$724/mo
Today · 4.125%
HK$24,351
baseline
▲ 0.50% · 4.625%
HK$25,833
+HK$1,482/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$48,702/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,492
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,175
−HK$694/mo
Today · 4.125%
HK$26,869
baseline
▲ 0.50% · 4.625%
HK$28,285
+HK$1,416/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$53,738/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,612 · 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).