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$12,711
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,107
−HK$401/mo
Today · 4.125%
HK$13,508
baseline
▲ 0.50% · 4.625%
HK$14,330
+HK$822/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$27,016/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,141
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,520
−HK$385/mo
Today · 4.125%
HK$14,905
baseline
▲ 0.50% · 4.625%
HK$15,691
+HK$786/mo
Deposit HK$2.79M · loan HK$2.79M · min. income ≈ HK$29,810/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$125,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,253
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,728
−HK$482/mo
Today · 4.125%
HK$16,210
baseline
▲ 0.50% · 4.625%
HK$17,196
+HK$986/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$32,420/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,969
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,424
−HK$462/mo
Today · 4.125%
HK$17,886
baseline
▲ 0.50% · 4.625%
HK$18,829
+HK$943/mo
Deposit HK$2.23M · loan HK$3.34M · min. income ≈ HK$35,772/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$125,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,796
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,349
−HK$562/mo
Today · 4.125%
HK$18,911
baseline
▲ 0.50% · 4.625%
HK$20,062
+HK$1,151/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$37,822/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,797
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,328
−HK$539/mo
Today · 4.125%
HK$20,867
baseline
▲ 0.50% · 4.625%
HK$21,967
+HK$1,100/mo
Deposit HK$1.67M · loan HK$3.90M · min. income ≈ HK$41,734/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$125,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,880
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,592
−HK$723/mo
Today · 4.125%
HK$24,315
baseline
▲ 0.50% · 4.625%
HK$25,794
+HK$1,479/mo
Deposit HK$557K · loan HK$5.02M · min. income ≈ HK$48,630/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,454
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,136
−HK$693/mo
Today · 4.125%
HK$26,829
baseline
▲ 0.50% · 4.625%
HK$28,243
+HK$1,414/mo
Deposit HK$557K · loan HK$5.02M · min. income ≈ HK$53,658/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$125,425 · 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).