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$12,298
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,681
−HK$388/mo
Today · 4.125%
HK$13,069
baseline
▲ 0.50% · 4.625%
HK$13,865
+HK$796/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,138/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,682
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,049
−HK$372/mo
Today · 4.125%
HK$14,421
baseline
▲ 0.50% · 4.625%
HK$15,181
+HK$760/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,842/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,758
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,217
−HK$466/mo
Today · 4.125%
HK$15,683
baseline
▲ 0.50% · 4.625%
HK$16,638
+HK$955/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,366/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,418
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,858
−HK$447/mo
Today · 4.125%
HK$17,305
baseline
▲ 0.50% · 4.625%
HK$18,217
+HK$912/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,610/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,217
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,753
−HK$544/mo
Today · 4.125%
HK$18,297
baseline
▲ 0.50% · 4.625%
HK$19,410
+HK$1,113/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,594/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,154
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,668
−HK$521/mo
Today · 4.125%
HK$20,189
baseline
▲ 0.50% · 4.625%
HK$21,253
+HK$1,064/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,378/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,137
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,825
−HK$700/mo
Today · 4.125%
HK$23,525
baseline
▲ 0.50% · 4.625%
HK$24,956
+HK$1,431/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$47,050/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,627
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,287
−HK$670/mo
Today · 4.125%
HK$25,957
baseline
▲ 0.50% · 4.625%
HK$27,326
+HK$1,369/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$51,914/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,350 · 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).