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$12,718
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,113
−HK$402/mo
Today · 4.125%
HK$13,515
baseline
▲ 0.50% · 4.625%
HK$14,337
+HK$822/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,030/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,148
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,528
−HK$385/mo
Today · 4.125%
HK$14,913
baseline
▲ 0.50% · 4.625%
HK$15,699
+HK$786/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,826/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,261
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,736
−HK$482/mo
Today · 4.125%
HK$16,218
baseline
▲ 0.50% · 4.625%
HK$17,205
+HK$987/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$32,436/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,978
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,433
−HK$462/mo
Today · 4.125%
HK$17,895
baseline
▲ 0.50% · 4.625%
HK$18,838
+HK$943/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$35,790/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,805
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,358
−HK$563/mo
Today · 4.125%
HK$18,921
baseline
▲ 0.50% · 4.625%
HK$20,072
+HK$1,151/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,842/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,807
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,339
−HK$539/mo
Today · 4.125%
HK$20,878
baseline
▲ 0.50% · 4.625%
HK$21,978
+HK$1,100/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,756/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,892
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,604
−HK$723/mo
Today · 4.125%
HK$24,327
baseline
▲ 0.50% · 4.625%
HK$25,807
+HK$1,480/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$48,654/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,467
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,150
−HK$693/mo
Today · 4.125%
HK$26,843
baseline
▲ 0.50% · 4.625%
HK$28,257
+HK$1,414/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$53,686/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,488 · 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).