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$12,683
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,078
−HK$400/mo
Today · 4.125%
HK$13,478
baseline
▲ 0.50% · 4.625%
HK$14,298
+HK$820/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,956/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,110
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,488
−HK$384/mo
Today · 4.125%
HK$14,872
baseline
▲ 0.50% · 4.625%
HK$15,656
+HK$784/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,744/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,220
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,693
−HK$481/mo
Today · 4.125%
HK$16,174
baseline
▲ 0.50% · 4.625%
HK$17,158
+HK$984/mo
Deposit HK$2.22M · loan HK$3.34M · min. income ≈ HK$32,348/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,932
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,386
−HK$460/mo
Today · 4.125%
HK$17,846
baseline
▲ 0.50% · 4.625%
HK$18,787
+HK$941/mo
Deposit HK$2.22M · loan HK$3.34M · min. income ≈ HK$35,692/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,756
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,309
−HK$561/mo
Today · 4.125%
HK$18,870
baseline
▲ 0.50% · 4.625%
HK$20,018
+HK$1,148/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,740/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,754
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,283
−HK$538/mo
Today · 4.125%
HK$20,821
baseline
▲ 0.50% · 4.625%
HK$21,918
+HK$1,097/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,642/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,829
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,540
−HK$721/mo
Today · 4.125%
HK$24,261
baseline
▲ 0.50% · 4.625%
HK$25,737
+HK$1,476/mo
Deposit HK$556K · loan HK$5.01M · min. income ≈ HK$48,522/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,397
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,079
−HK$691/mo
Today · 4.125%
HK$26,770
baseline
▲ 0.50% · 4.625%
HK$28,181
+HK$1,411/mo
Deposit HK$556K · loan HK$5.01M · min. income ≈ HK$53,540/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$125,147 · 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).