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$12,731
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,127
−HK$402/mo
Today · 4.125%
HK$13,529
baseline
▲ 0.50% · 4.625%
HK$14,352
+HK$823/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,058/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,163
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,543
−HK$385/mo
Today · 4.125%
HK$14,928
baseline
▲ 0.50% · 4.625%
HK$15,715
+HK$787/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,856/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,277
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,752
−HK$483/mo
Today · 4.125%
HK$16,235
baseline
▲ 0.50% · 4.625%
HK$17,223
+HK$988/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$32,470/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,995
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,451
−HK$463/mo
Today · 4.125%
HK$17,914
baseline
▲ 0.50% · 4.625%
HK$18,858
+HK$944/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$35,828/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,823
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,378
−HK$563/mo
Today · 4.125%
HK$18,941
baseline
▲ 0.50% · 4.625%
HK$20,093
+HK$1,152/mo
Deposit HK$1.67M · loan HK$3.91M · min. income ≈ HK$37,882/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,828
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,360
−HK$539/mo
Today · 4.125%
HK$20,899
baseline
▲ 0.50% · 4.625%
HK$22,001
+HK$1,102/mo
Deposit HK$1.67M · loan HK$3.91M · min. income ≈ HK$41,798/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,915
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,628
−HK$724/mo
Today · 4.125%
HK$24,352
baseline
▲ 0.50% · 4.625%
HK$25,834
+HK$1,482/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$48,704/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,493
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,177
−HK$694/mo
Today · 4.125%
HK$26,871
baseline
▲ 0.50% · 4.625%
HK$28,287
+HK$1,416/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$53,742/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,619 · 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).