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$12,303
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,686
−HK$388/mo
Today · 4.125%
HK$13,074
baseline
▲ 0.50% · 4.625%
HK$13,870
+HK$796/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,148/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,687
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,054
−HK$372/mo
Today · 4.125%
HK$14,426
baseline
▲ 0.50% · 4.625%
HK$15,187
+HK$761/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,852/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,763
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,223
−HK$466/mo
Today · 4.125%
HK$15,689
baseline
▲ 0.50% · 4.625%
HK$16,644
+HK$955/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,378/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,424
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,865
−HK$447/mo
Today · 4.125%
HK$17,312
baseline
▲ 0.50% · 4.625%
HK$18,224
+HK$912/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,624/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,224
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,760
−HK$544/mo
Today · 4.125%
HK$18,304
baseline
▲ 0.50% · 4.625%
HK$19,418
+HK$1,114/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,608/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,162
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,675
−HK$522/mo
Today · 4.125%
HK$20,197
baseline
▲ 0.50% · 4.625%
HK$21,261
+HK$1,064/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,394/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,145
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,834
−HK$700/mo
Today · 4.125%
HK$23,534
baseline
▲ 0.50% · 4.625%
HK$24,966
+HK$1,432/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$47,068/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,636
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,297
−HK$670/mo
Today · 4.125%
HK$25,967
baseline
▲ 0.50% · 4.625%
HK$27,336
+HK$1,369/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$51,934/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,397 · 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).