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$12,323
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,707
−HK$389/mo
Today · 4.125%
HK$13,096
baseline
▲ 0.50% · 4.625%
HK$13,893
+HK$797/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,192/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,709
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,077
−HK$373/mo
Today · 4.125%
HK$14,450
baseline
▲ 0.50% · 4.625%
HK$15,212
+HK$762/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,900/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,788
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,248
−HK$467/mo
Today · 4.125%
HK$15,715
baseline
▲ 0.50% · 4.625%
HK$16,671
+HK$956/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,430/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,451
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,893
−HK$447/mo
Today · 4.125%
HK$17,340
baseline
▲ 0.50% · 4.625%
HK$18,254
+HK$914/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,680/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,253
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,789
−HK$545/mo
Today · 4.125%
HK$18,334
baseline
▲ 0.50% · 4.625%
HK$19,450
+HK$1,116/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,668/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,193
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,708
−HK$522/mo
Today · 4.125%
HK$20,230
baseline
▲ 0.50% · 4.625%
HK$21,297
+HK$1,067/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,460/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,182
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,872
−HK$701/mo
Today · 4.125%
HK$23,573
baseline
▲ 0.50% · 4.625%
HK$25,007
+HK$1,434/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$47,146/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,677
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,339
−HK$671/mo
Today · 4.125%
HK$26,010
baseline
▲ 0.50% · 4.625%
HK$27,381
+HK$1,371/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$52,020/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,598 · 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).