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$12,705
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,100
−HK$401/mo
Today · 4.125%
HK$13,501
baseline
▲ 0.50% · 4.625%
HK$14,323
+HK$822/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,002/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,134
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,513
−HK$384/mo
Today · 4.125%
HK$14,897
baseline
▲ 0.50% · 4.625%
HK$15,683
+HK$786/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,794/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,246
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,720
−HK$482/mo
Today · 4.125%
HK$16,202
baseline
▲ 0.50% · 4.625%
HK$17,188
+HK$986/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,404/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,961
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,416
−HK$461/mo
Today · 4.125%
HK$17,877
baseline
▲ 0.50% · 4.625%
HK$18,819
+HK$942/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,754/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,787
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,340
−HK$562/mo
Today · 4.125%
HK$18,902
baseline
▲ 0.50% · 4.625%
HK$20,052
+HK$1,150/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,804/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,787
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,318
−HK$538/mo
Today · 4.125%
HK$20,856
baseline
▲ 0.50% · 4.625%
HK$21,956
+HK$1,100/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,712/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,868
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,580
−HK$723/mo
Today · 4.125%
HK$24,303
baseline
▲ 0.50% · 4.625%
HK$25,781
+HK$1,478/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$48,606/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,441
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,123
−HK$692/mo
Today · 4.125%
HK$26,815
baseline
▲ 0.50% · 4.625%
HK$28,229
+HK$1,414/mo
Deposit HK$557K · loan HK$5.01M · min. income ≈ HK$53,630/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,362 · 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).