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$12,305
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,687
−HK$389/mo
Today · 4.125%
HK$13,076
baseline
▲ 0.50% · 4.625%
HK$13,872
+HK$796/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,152/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,689
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,056
−HK$372/mo
Today · 4.125%
HK$14,428
baseline
▲ 0.50% · 4.625%
HK$15,189
+HK$761/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,856/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,766
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,225
−HK$466/mo
Today · 4.125%
HK$15,691
baseline
▲ 0.50% · 4.625%
HK$16,646
+HK$955/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,382/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,426
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,867
−HK$447/mo
Today · 4.125%
HK$17,314
baseline
▲ 0.50% · 4.625%
HK$18,227
+HK$913/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,628/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,226
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,762
−HK$545/mo
Today · 4.125%
HK$18,307
baseline
▲ 0.50% · 4.625%
HK$19,421
+HK$1,114/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,614/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,164
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,678
−HK$522/mo
Today · 4.125%
HK$20,200
baseline
▲ 0.50% · 4.625%
HK$21,264
+HK$1,064/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,400/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,148
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,837
−HK$700/mo
Today · 4.125%
HK$23,537
baseline
▲ 0.50% · 4.625%
HK$24,969
+HK$1,432/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$47,074/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,640
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,301
−HK$670/mo
Today · 4.125%
HK$25,971
baseline
▲ 0.50% · 4.625%
HK$27,340
+HK$1,369/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$51,942/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,414 · 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).