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$12,660
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,053
−HK$400/mo
Today · 4.125%
HK$13,453
baseline
▲ 0.50% · 4.625%
HK$14,272
+HK$819/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,906/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,084
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,461
−HK$383/mo
Today · 4.125%
HK$14,844
baseline
▲ 0.50% · 4.625%
HK$15,627
+HK$783/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,688/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,191
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,664
−HK$480/mo
Today · 4.125%
HK$16,144
baseline
▲ 0.50% · 4.625%
HK$17,126
+HK$982/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,288/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,900
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,354
−HK$459/mo
Today · 4.125%
HK$17,813
baseline
▲ 0.50% · 4.625%
HK$18,752
+HK$939/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,626/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$124,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,723
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,275
−HK$560/mo
Today · 4.125%
HK$18,835
baseline
▲ 0.50% · 4.625%
HK$19,981
+HK$1,146/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,670/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,717
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,246
−HK$536/mo
Today · 4.125%
HK$20,782
baseline
▲ 0.50% · 4.625%
HK$21,878
+HK$1,096/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,564/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,787
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,496
−HK$720/mo
Today · 4.125%
HK$24,216
baseline
▲ 0.50% · 4.625%
HK$25,690
+HK$1,474/mo
Deposit HK$555K · loan HK$5.00M · min. income ≈ HK$48,432/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,350
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,030
−HK$690/mo
Today · 4.125%
HK$26,720
baseline
▲ 0.50% · 4.625%
HK$28,129
+HK$1,409/mo
Deposit HK$555K · loan HK$5.00M · min. income ≈ HK$53,440/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,916 · 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).