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$12,308
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,691
−HK$389/mo
Today · 4.125%
HK$13,080
baseline
▲ 0.50% · 4.625%
HK$13,876
+HK$796/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,160/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,693
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,060
−HK$373/mo
Today · 4.125%
HK$14,433
baseline
▲ 0.50% · 4.625%
HK$15,193
+HK$760/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,866/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,770
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,229
−HK$467/mo
Today · 4.125%
HK$15,696
baseline
▲ 0.50% · 4.625%
HK$16,651
+HK$955/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,392/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,431
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,872
−HK$447/mo
Today · 4.125%
HK$17,319
baseline
▲ 0.50% · 4.625%
HK$18,232
+HK$913/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,638/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,232
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,768
−HK$544/mo
Today · 4.125%
HK$18,312
baseline
▲ 0.50% · 4.625%
HK$19,426
+HK$1,114/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,624/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,170
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,684
−HK$522/mo
Today · 4.125%
HK$20,206
baseline
▲ 0.50% · 4.625%
HK$21,271
+HK$1,065/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,412/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,155
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,844
−HK$700/mo
Today · 4.125%
HK$23,544
baseline
▲ 0.50% · 4.625%
HK$24,977
+HK$1,433/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$47,088/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,647
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,308
−HK$671/mo
Today · 4.125%
HK$25,979
baseline
▲ 0.50% · 4.625%
HK$27,348
+HK$1,369/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$51,958/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,450 · 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).