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$12,739
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,135
−HK$403/mo
Today · 4.125%
HK$13,538
baseline
▲ 0.50% · 4.625%
HK$14,362
+HK$824/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,076/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,172
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,552
−HK$386/mo
Today · 4.125%
HK$14,938
baseline
▲ 0.50% · 4.625%
HK$15,725
+HK$787/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,876/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,287
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,762
−HK$483/mo
Today · 4.125%
HK$16,245
baseline
▲ 0.50% · 4.625%
HK$17,234
+HK$989/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$32,490/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,006
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,462
−HK$463/mo
Today · 4.125%
HK$17,925
baseline
▲ 0.50% · 4.625%
HK$18,870
+HK$945/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$35,850/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,835
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,389
−HK$564/mo
Today · 4.125%
HK$18,953
baseline
▲ 0.50% · 4.625%
HK$20,106
+HK$1,153/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$37,906/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,841
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,373
−HK$540/mo
Today · 4.125%
HK$20,913
baseline
▲ 0.50% · 4.625%
HK$22,015
+HK$1,102/mo
Deposit HK$1.68M · loan HK$3.91M · min. income ≈ HK$41,826/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,930
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,643
−HK$725/mo
Today · 4.125%
HK$24,368
baseline
▲ 0.50% · 4.625%
HK$25,851
+HK$1,483/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$48,736/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,510
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,194
−HK$694/mo
Today · 4.125%
HK$26,888
baseline
▲ 0.50% · 4.625%
HK$28,305
+HK$1,417/mo
Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$53,776/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,700 · 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).