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$12,314
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,697
−HK$389/mo
Today · 4.125%
HK$13,086
baseline
▲ 0.50% · 4.625%
HK$13,883
+HK$797/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,172/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,699
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,067
−HK$372/mo
Today · 4.125%
HK$14,439
baseline
▲ 0.50% · 4.625%
HK$15,201
+HK$762/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,878/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,777
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,237
−HK$467/mo
Today · 4.125%
HK$15,704
baseline
▲ 0.50% · 4.625%
HK$16,659
+HK$955/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,408/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,439
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,880
−HK$447/mo
Today · 4.125%
HK$17,327
baseline
▲ 0.50% · 4.625%
HK$18,241
+HK$914/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,654/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,240
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,776
−HK$545/mo
Today · 4.125%
HK$18,321
baseline
▲ 0.50% · 4.625%
HK$19,436
+HK$1,115/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,642/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,179
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,693
−HK$522/mo
Today · 4.125%
HK$20,215
baseline
▲ 0.50% · 4.625%
HK$21,281
+HK$1,066/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,430/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,165
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,855
−HK$700/mo
Today · 4.125%
HK$23,555
baseline
▲ 0.50% · 4.625%
HK$24,989
+HK$1,434/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$47,110/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,659
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,320
−HK$671/mo
Today · 4.125%
HK$25,991
baseline
▲ 0.50% · 4.625%
HK$27,361
+HK$1,370/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$51,982/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,507 · 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).