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$12,293
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,676
−HK$388/mo
Today · 4.125%
HK$13,064
baseline
▲ 0.50% · 4.625%
HK$13,859
+HK$795/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,128/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,676
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,043
−HK$372/mo
Today · 4.125%
HK$14,415
baseline
▲ 0.50% · 4.625%
HK$15,175
+HK$760/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,830/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,752
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,211
−HK$466/mo
Today · 4.125%
HK$15,677
baseline
▲ 0.50% · 4.625%
HK$16,631
+HK$954/mo
Deposit HK$2.16M · loan HK$3.23M · min. income ≈ HK$31,354/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,411
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,852
−HK$446/mo
Today · 4.125%
HK$17,298
baseline
▲ 0.50% · 4.625%
HK$18,210
+HK$912/mo
Deposit HK$2.16M · loan HK$3.23M · min. income ≈ HK$34,596/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,211
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,746
−HK$544/mo
Today · 4.125%
HK$18,290
baseline
▲ 0.50% · 4.625%
HK$19,403
+HK$1,113/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$36,580/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,147
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,660
−HK$521/mo
Today · 4.125%
HK$20,181
baseline
▲ 0.50% · 4.625%
HK$21,245
+HK$1,064/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$40,362/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,128
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,816
−HK$700/mo
Today · 4.125%
HK$23,516
baseline
▲ 0.50% · 4.625%
HK$24,946
+HK$1,430/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$47,032/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,617
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,277
−HK$670/mo
Today · 4.125%
HK$25,947
baseline
▲ 0.50% · 4.625%
HK$27,315
+HK$1,368/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$51,894/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,303 · 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).