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$12,686
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,081
−HK$401/mo
Today · 4.125%
HK$13,482
baseline
▲ 0.50% · 4.625%
HK$14,302
+HK$820/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,964/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,113
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,492
−HK$384/mo
Today · 4.125%
HK$14,876
baseline
▲ 0.50% · 4.625%
HK$15,660
+HK$784/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,752/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,223
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,697
−HK$481/mo
Today · 4.125%
HK$16,178
baseline
▲ 0.50% · 4.625%
HK$17,162
+HK$984/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,356/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,936
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,390
−HK$461/mo
Today · 4.125%
HK$17,851
baseline
▲ 0.50% · 4.625%
HK$18,792
+HK$941/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,702/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,761
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,313
−HK$561/mo
Today · 4.125%
HK$18,874
baseline
▲ 0.50% · 4.625%
HK$20,023
+HK$1,149/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,748/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,759
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,289
−HK$537/mo
Today · 4.125%
HK$20,826
baseline
▲ 0.50% · 4.625%
HK$21,924
+HK$1,098/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,652/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,835
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,545
−HK$722/mo
Today · 4.125%
HK$24,267
baseline
▲ 0.50% · 4.625%
HK$25,744
+HK$1,477/mo
Deposit HK$556K · loan HK$5.01M · min. income ≈ HK$48,534/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,404
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,085
−HK$691/mo
Today · 4.125%
HK$26,776
baseline
▲ 0.50% · 4.625%
HK$28,188
+HK$1,412/mo
Deposit HK$556K · loan HK$5.01M · min. income ≈ HK$53,552/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,179 · 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).