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$12,688
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,083
−HK$401/mo
Today · 4.125%
HK$13,484
baseline
▲ 0.50% · 4.625%
HK$14,304
+HK$820/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$26,968/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,115
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,494
−HK$384/mo
Today · 4.125%
HK$14,878
baseline
▲ 0.50% · 4.625%
HK$15,662
+HK$784/mo
Deposit HK$2.78M · loan HK$2.78M · min. income ≈ HK$29,756/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,226
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,699
−HK$481/mo
Today · 4.125%
HK$16,180
baseline
▲ 0.50% · 4.625%
HK$17,165
+HK$985/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,360/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,938
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,393
−HK$460/mo
Today · 4.125%
HK$17,853
baseline
▲ 0.50% · 4.625%
HK$18,795
+HK$942/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,706/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$125,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,763
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,316
−HK$561/mo
Today · 4.125%
HK$18,877
baseline
▲ 0.50% · 4.625%
HK$20,026
+HK$1,149/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$37,754/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,761
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,291
−HK$538/mo
Today · 4.125%
HK$20,829
baseline
▲ 0.50% · 4.625%
HK$21,927
+HK$1,098/mo
Deposit HK$1.67M · loan HK$3.89M · min. income ≈ HK$41,658/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$125,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,838
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,549
−HK$722/mo
Today · 4.125%
HK$24,271
baseline
▲ 0.50% · 4.625%
HK$25,747
+HK$1,476/mo
Deposit HK$556K · loan HK$5.01M · min. income ≈ HK$48,542/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,407
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,089
−HK$691/mo
Today · 4.125%
HK$26,780
baseline
▲ 0.50% · 4.625%
HK$28,192
+HK$1,412/mo
Deposit HK$556K · loan HK$5.01M · min. income ≈ HK$53,560/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$125,197 · 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).