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$12,678
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,073
−HK$400/mo
Today · 4.125%
HK$13,473
baseline
▲ 0.50% · 4.625%
HK$14,293
+HK$820/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,946/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,105
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,483
−HK$384/mo
Today · 4.125%
HK$14,867
baseline
▲ 0.50% · 4.625%
HK$15,650
+HK$783/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,734/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,214
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,687
−HK$481/mo
Today · 4.125%
HK$16,168
baseline
▲ 0.50% · 4.625%
HK$17,152
+HK$984/mo
Deposit HK$2.22M · loan HK$3.34M · min. income ≈ HK$32,336/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,926
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,380
−HK$460/mo
Today · 4.125%
HK$17,840
baseline
▲ 0.50% · 4.625%
HK$18,780
+HK$940/mo
Deposit HK$2.22M · loan HK$3.34M · min. income ≈ HK$35,680/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,750
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,302
−HK$561/mo
Today · 4.125%
HK$18,863
baseline
▲ 0.50% · 4.625%
HK$20,011
+HK$1,148/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,726/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,747
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,276
−HK$537/mo
Today · 4.125%
HK$20,813
baseline
▲ 0.50% · 4.625%
HK$21,910
+HK$1,097/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,626/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,821
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,531
−HK$721/mo
Today · 4.125%
HK$24,252
baseline
▲ 0.50% · 4.625%
HK$25,728
+HK$1,476/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$48,504/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,388
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,069
−HK$691/mo
Today · 4.125%
HK$26,760
baseline
▲ 0.50% · 4.625%
HK$28,171
+HK$1,411/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$53,520/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,103 · 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).