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$12,292
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,674
−HK$388/mo
Today · 4.125%
HK$13,062
baseline
▲ 0.50% · 4.625%
HK$13,857
+HK$795/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,124/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,674
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,041
−HK$372/mo
Today · 4.125%
HK$14,413
baseline
▲ 0.50% · 4.625%
HK$15,173
+HK$760/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,826/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,750
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,209
−HK$466/mo
Today · 4.125%
HK$15,675
baseline
▲ 0.50% · 4.625%
HK$16,629
+HK$954/mo
Deposit HK$2.16M · loan HK$3.23M · min. income ≈ HK$31,350/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,409
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,849
−HK$447/mo
Today · 4.125%
HK$17,296
baseline
▲ 0.50% · 4.625%
HK$18,207
+HK$911/mo
Deposit HK$2.16M · loan HK$3.23M · min. income ≈ HK$34,592/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,208
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,743
−HK$544/mo
Today · 4.125%
HK$18,287
baseline
▲ 0.50% · 4.625%
HK$19,400
+HK$1,113/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$36,574/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,144
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,657
−HK$521/mo
Today · 4.125%
HK$20,178
baseline
▲ 0.50% · 4.625%
HK$21,242
+HK$1,064/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$40,356/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,125
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,813
−HK$699/mo
Today · 4.125%
HK$23,512
baseline
▲ 0.50% · 4.625%
HK$24,943
+HK$1,431/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$47,024/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,614
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,274
−HK$669/mo
Today · 4.125%
HK$25,943
baseline
▲ 0.50% · 4.625%
HK$27,311
+HK$1,368/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$51,886/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,285 · 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).