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$12,335
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,719
−HK$390/mo
Today · 4.125%
HK$13,109
baseline
▲ 0.50% · 4.625%
HK$13,906
+HK$797/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,218/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,723
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,091
−HK$373/mo
Today · 4.125%
HK$14,464
baseline
▲ 0.50% · 4.625%
HK$15,226
+HK$762/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,928/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,802
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,263
−HK$467/mo
Today · 4.125%
HK$15,730
baseline
▲ 0.50% · 4.625%
HK$16,687
+HK$957/mo
Deposit HK$2.16M · loan HK$3.25M · min. income ≈ HK$31,460/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,467
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,909
−HK$448/mo
Today · 4.125%
HK$17,357
baseline
▲ 0.50% · 4.625%
HK$18,272
+HK$915/mo
Deposit HK$2.16M · loan HK$3.25M · min. income ≈ HK$34,714/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,269
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,806
−HK$546/mo
Today · 4.125%
HK$18,352
baseline
▲ 0.50% · 4.625%
HK$19,469
+HK$1,117/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$36,704/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,212
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,727
−HK$523/mo
Today · 4.125%
HK$20,250
baseline
▲ 0.50% · 4.625%
HK$21,317
+HK$1,067/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$40,500/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,203
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,894
−HK$701/mo
Today · 4.125%
HK$23,595
baseline
▲ 0.50% · 4.625%
HK$25,031
+HK$1,436/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$47,190/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,701
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,363
−HK$672/mo
Today · 4.125%
HK$26,035
baseline
▲ 0.50% · 4.625%
HK$27,408
+HK$1,373/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$52,070/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,715 · 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).