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$12,726
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,122
−HK$402/mo
Today · 4.125%
HK$13,524
baseline
▲ 0.50% · 4.625%
HK$14,347
+HK$823/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,048/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,157
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,537
−HK$385/mo
Today · 4.125%
HK$14,922
baseline
▲ 0.50% · 4.625%
HK$15,709
+HK$787/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,844/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$125,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,271
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,746
−HK$483/mo
Today · 4.125%
HK$16,229
baseline
▲ 0.50% · 4.625%
HK$17,216
+HK$987/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$32,458/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,989
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,445
−HK$462/mo
Today · 4.125%
HK$17,907
baseline
▲ 0.50% · 4.625%
HK$18,851
+HK$944/mo
Deposit HK$2.23M · loan HK$3.35M · min. income ≈ HK$35,814/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,816
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,370
−HK$563/mo
Today · 4.125%
HK$18,933
baseline
▲ 0.50% · 4.625%
HK$20,086
+HK$1,153/mo
Deposit HK$1.67M · loan HK$3.91M · min. income ≈ HK$37,866/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,820
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,352
−HK$539/mo
Today · 4.125%
HK$20,891
baseline
▲ 0.50% · 4.625%
HK$21,992
+HK$1,101/mo
Deposit HK$1.67M · loan HK$3.91M · min. income ≈ HK$41,782/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,907
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,619
−HK$724/mo
Today · 4.125%
HK$24,343
baseline
▲ 0.50% · 4.625%
HK$25,824
+HK$1,481/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$48,686/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,483
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,167
−HK$693/mo
Today · 4.125%
HK$26,860
baseline
▲ 0.50% · 4.625%
HK$28,276
+HK$1,416/mo
Deposit HK$558K · loan HK$5.02M · min. income ≈ HK$53,720/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$125,571 · 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).