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$12,314
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,697
−HK$389/mo
Today · 4.125%
HK$13,086
baseline
▲ 0.50% · 4.625%
HK$13,882
+HK$796/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,172/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,699
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,066
−HK$373/mo
Today · 4.125%
HK$14,439
baseline
▲ 0.50% · 4.625%
HK$15,200
+HK$761/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,878/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,776
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,236
−HK$467/mo
Today · 4.125%
HK$15,703
baseline
▲ 0.50% · 4.625%
HK$16,658
+HK$955/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,406/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,439
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,879
−HK$448/mo
Today · 4.125%
HK$17,327
baseline
▲ 0.50% · 4.625%
HK$18,240
+HK$913/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,654/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,239
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,775
−HK$545/mo
Today · 4.125%
HK$18,320
baseline
▲ 0.50% · 4.625%
HK$19,435
+HK$1,115/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,640/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,178
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,693
−HK$521/mo
Today · 4.125%
HK$20,214
baseline
▲ 0.50% · 4.625%
HK$21,280
+HK$1,066/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,428/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,165
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,854
−HK$700/mo
Today · 4.125%
HK$23,554
baseline
▲ 0.50% · 4.625%
HK$24,988
+HK$1,434/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$47,108/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,658
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,319
−HK$671/mo
Today · 4.125%
HK$25,990
baseline
▲ 0.50% · 4.625%
HK$27,360
+HK$1,370/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$51,980/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,503 · 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).