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$12,320
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,703
−HK$389/mo
Today · 4.125%
HK$13,092
baseline
▲ 0.50% · 4.625%
HK$13,889
+HK$797/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,184/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,705
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,073
−HK$373/mo
Today · 4.125%
HK$14,446
baseline
▲ 0.50% · 4.625%
HK$15,207
+HK$761/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,892/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,783
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,243
−HK$467/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$121,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,446
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,887
−HK$448/mo
Today · 4.125%
HK$17,335
baseline
▲ 0.50% · 4.625%
HK$18,249
+HK$914/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,670/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,247
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,784
−HK$545/mo
Today · 4.125%
HK$18,329
baseline
▲ 0.50% · 4.625%
HK$19,444
+HK$1,115/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,658/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,187
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,702
−HK$522/mo
Today · 4.125%
HK$20,224
baseline
▲ 0.50% · 4.625%
HK$21,290
+HK$1,066/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,448/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,175
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,865
−HK$701/mo
Today · 4.125%
HK$23,566
baseline
▲ 0.50% · 4.625%
HK$25,000
+HK$1,434/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$47,132/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,670
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,331
−HK$671/mo
Today · 4.125%
HK$26,002
baseline
▲ 0.50% · 4.625%
HK$27,373
+HK$1,371/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$52,004/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,561 · 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).