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$12,295
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,678
−HK$388/mo
Today · 4.125%
HK$13,066
baseline
▲ 0.50% · 4.625%
HK$13,862
+HK$796/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,132/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,679
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,045
−HK$373/mo
Today · 4.125%
HK$14,418
baseline
▲ 0.50% · 4.625%
HK$15,178
+HK$760/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,836/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,755
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,213
−HK$467/mo
Today · 4.125%
HK$15,680
baseline
▲ 0.50% · 4.625%
HK$16,634
+HK$954/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,360/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,414
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,854
−HK$447/mo
Today · 4.125%
HK$17,301
baseline
▲ 0.50% · 4.625%
HK$18,213
+HK$912/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,602/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,214
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,749
−HK$544/mo
Today · 4.125%
HK$18,293
baseline
▲ 0.50% · 4.625%
HK$19,406
+HK$1,113/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$36,586/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,150
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,664
−HK$521/mo
Today · 4.125%
HK$20,185
baseline
▲ 0.50% · 4.625%
HK$21,249
+HK$1,064/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$40,370/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,132
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,820
−HK$700/mo
Today · 4.125%
HK$23,520
baseline
▲ 0.50% · 4.625%
HK$24,951
+HK$1,431/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$47,040/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,621
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,282
−HK$670/mo
Today · 4.125%
HK$25,952
baseline
▲ 0.50% · 4.625%
HK$27,320
+HK$1,368/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$51,904/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,323 · 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).