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$12,334
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,717
−HK$390/mo
Today · 4.125%
HK$13,107
baseline
▲ 0.50% · 4.625%
HK$13,904
+HK$797/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,214/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,721
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,089
−HK$373/mo
Today · 4.125%
HK$14,462
baseline
▲ 0.50% · 4.625%
HK$15,225
+HK$763/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,924/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,800
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,261
−HK$467/mo
Today · 4.125%
HK$15,728
baseline
▲ 0.50% · 4.625%
HK$16,685
+HK$957/mo
Deposit HK$2.16M · loan HK$3.25M · min. income ≈ HK$31,456/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,465
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,907
−HK$448/mo
Today · 4.125%
HK$17,355
baseline
▲ 0.50% · 4.625%
HK$18,269
+HK$914/mo
Deposit HK$2.16M · loan HK$3.25M · min. income ≈ HK$34,710/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,267
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,804
−HK$546/mo
Today · 4.125%
HK$18,350
baseline
▲ 0.50% · 4.625%
HK$19,466
+HK$1,116/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$36,700/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,209
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,724
−HK$523/mo
Today · 4.125%
HK$20,247
baseline
▲ 0.50% · 4.625%
HK$21,314
+HK$1,067/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$40,494/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,200
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,891
−HK$701/mo
Today · 4.125%
HK$23,592
baseline
▲ 0.50% · 4.625%
HK$25,028
+HK$1,436/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$47,184/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,698
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,360
−HK$672/mo
Today · 4.125%
HK$26,032
baseline
▲ 0.50% · 4.625%
HK$27,404
+HK$1,372/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$52,064/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,699 · 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).