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$12,319
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,702
−HK$389/mo
Today · 4.125%
HK$13,091
baseline
▲ 0.50% · 4.625%
HK$13,888
+HK$797/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,182/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,705
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,072
−HK$373/mo
Today · 4.125%
HK$14,445
baseline
▲ 0.50% · 4.625%
HK$15,206
+HK$761/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,890/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,783
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,242
−HK$468/mo
Today · 4.125%
HK$15,710
baseline
▲ 0.50% · 4.625%
HK$16,666
+HK$956/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,420/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,446
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,887
−HK$447/mo
Today · 4.125%
HK$17,334
baseline
▲ 0.50% · 4.625%
HK$18,248
+HK$914/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,668/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,246
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,783
−HK$545/mo
Today · 4.125%
HK$18,328
baseline
▲ 0.50% · 4.625%
HK$19,443
+HK$1,115/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,656/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,186
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,701
−HK$522/mo
Today · 4.125%
HK$20,223
baseline
▲ 0.50% · 4.625%
HK$21,289
+HK$1,066/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,446/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,174
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,864
−HK$700/mo
Today · 4.125%
HK$23,564
baseline
▲ 0.50% · 4.625%
HK$24,998
+HK$1,434/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$47,128/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,668
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,330
−HK$671/mo
Today · 4.125%
HK$26,001
baseline
▲ 0.50% · 4.625%
HK$27,372
+HK$1,371/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$52,002/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,555 · 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).