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$12,677
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,072
−HK$400/mo
Today · 4.125%
HK$13,472
baseline
▲ 0.50% · 4.625%
HK$14,292
+HK$820/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,944/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$125,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,103
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,482
−HK$383/mo
Today · 4.125%
HK$14,865
baseline
▲ 0.50% · 4.625%
HK$15,649
+HK$784/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,730/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$125,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,213
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,686
−HK$481/mo
Today · 4.125%
HK$16,167
baseline
▲ 0.50% · 4.625%
HK$17,150
+HK$983/mo
Deposit HK$2.22M · loan HK$3.34M · min. income ≈ HK$32,334/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,924
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,378
−HK$460/mo
Today · 4.125%
HK$17,838
baseline
▲ 0.50% · 4.625%
HK$18,779
+HK$941/mo
Deposit HK$2.22M · loan HK$3.34M · min. income ≈ HK$35,676/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,748
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,300
−HK$561/mo
Today · 4.125%
HK$18,861
baseline
▲ 0.50% · 4.625%
HK$20,009
+HK$1,148/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,722/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,745
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,274
−HK$537/mo
Today · 4.125%
HK$20,811
baseline
▲ 0.50% · 4.625%
HK$21,908
+HK$1,097/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,622/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,819
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,529
−HK$721/mo
Today · 4.125%
HK$24,250
baseline
▲ 0.50% · 4.625%
HK$25,726
+HK$1,476/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$48,500/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,386
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,067
−HK$691/mo
Today · 4.125%
HK$26,758
baseline
▲ 0.50% · 4.625%
HK$28,168
+HK$1,410/mo
Deposit HK$556K · loan HK$5.00M · min. income ≈ HK$53,516/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,091 · 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).