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$12,322
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,706
−HK$389/mo
Today · 4.125%
HK$13,095
baseline
▲ 0.50% · 4.625%
HK$13,892
+HK$797/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,190/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,708
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,076
−HK$373/mo
Today · 4.125%
HK$14,449
baseline
▲ 0.50% · 4.625%
HK$15,211
+HK$762/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,898/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,787
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,247
−HK$467/mo
Today · 4.125%
HK$15,714
baseline
▲ 0.50% · 4.625%
HK$16,670
+HK$956/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,428/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,450
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,891
−HK$448/mo
Today · 4.125%
HK$17,339
baseline
▲ 0.50% · 4.625%
HK$18,253
+HK$914/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,678/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,251
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,788
−HK$545/mo
Today · 4.125%
HK$18,333
baseline
▲ 0.50% · 4.625%
HK$19,449
+HK$1,116/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,666/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,192
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,706
−HK$523/mo
Today · 4.125%
HK$20,229
baseline
▲ 0.50% · 4.625%
HK$21,295
+HK$1,066/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,458/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,180
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,870
−HK$701/mo
Today · 4.125%
HK$23,571
baseline
▲ 0.50% · 4.625%
HK$25,005
+HK$1,434/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$47,142/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,675
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,337
−HK$671/mo
Today · 4.125%
HK$26,008
baseline
▲ 0.50% · 4.625%
HK$27,379
+HK$1,371/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$52,016/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,588 · 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).