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$12,318
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,701
−HK$390/mo
Today · 4.125%
HK$13,091
baseline
▲ 0.50% · 4.625%
HK$13,887
+HK$796/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$121,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,704
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,072
−HK$372/mo
Today · 4.125%
HK$14,444
baseline
▲ 0.50% · 4.625%
HK$15,206
+HK$762/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,888/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,782
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,242
−HK$467/mo
Today · 4.125%
HK$15,709
baseline
▲ 0.50% · 4.625%
HK$16,665
+HK$956/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,418/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,445
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,886
−HK$447/mo
Today · 4.125%
HK$17,333
baseline
▲ 0.50% · 4.625%
HK$18,247
+HK$914/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,666/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,246
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,782
−HK$545/mo
Today · 4.125%
HK$18,327
baseline
▲ 0.50% · 4.625%
HK$19,442
+HK$1,115/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,654/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,186
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,700
−HK$522/mo
Today · 4.125%
HK$20,222
baseline
▲ 0.50% · 4.625%
HK$21,288
+HK$1,066/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,444/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,173
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,863
−HK$700/mo
Today · 4.125%
HK$23,563
baseline
▲ 0.50% · 4.625%
HK$24,997
+HK$1,434/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$47,126/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,667
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,329
−HK$671/mo
Today · 4.125%
HK$26,000
baseline
▲ 0.50% · 4.625%
HK$27,370
+HK$1,370/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$52,000/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,549 · 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).