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$12,329
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,713
−HK$390/mo
Today · 4.125%
HK$13,103
baseline
▲ 0.50% · 4.625%
HK$13,900
+HK$797/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,206/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,716
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,084
−HK$373/mo
Today · 4.125%
HK$14,457
baseline
▲ 0.50% · 4.625%
HK$15,220
+HK$763/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,914/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,795
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,256
−HK$467/mo
Today · 4.125%
HK$15,723
baseline
▲ 0.50% · 4.625%
HK$16,680
+HK$957/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,446/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,460
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,901
−HK$448/mo
Today · 4.125%
HK$17,349
baseline
▲ 0.50% · 4.625%
HK$18,263
+HK$914/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,698/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,261
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,798
−HK$546/mo
Today · 4.125%
HK$18,344
baseline
▲ 0.50% · 4.625%
HK$19,460
+HK$1,116/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,688/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,203
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,718
−HK$522/mo
Today · 4.125%
HK$20,240
baseline
▲ 0.50% · 4.625%
HK$21,307
+HK$1,067/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,480/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,193
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,883
−HK$702/mo
Today · 4.125%
HK$23,585
baseline
▲ 0.50% · 4.625%
HK$25,020
+HK$1,435/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$47,170/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,689
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,352
−HK$671/mo
Today · 4.125%
HK$26,023
baseline
▲ 0.50% · 4.625%
HK$27,395
+HK$1,372/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$52,046/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,659 · 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).