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$12,331
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,714
−HK$390/mo
Today · 4.125%
HK$13,104
baseline
▲ 0.50% · 4.625%
HK$13,901
+HK$797/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,208/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,718
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,086
−HK$373/mo
Today · 4.125%
HK$14,459
baseline
▲ 0.50% · 4.625%
HK$15,221
+HK$762/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,918/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,797
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,257
−HK$468/mo
Today · 4.125%
HK$15,725
baseline
▲ 0.50% · 4.625%
HK$16,681
+HK$956/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,450/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,461
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,903
−HK$448/mo
Today · 4.125%
HK$17,351
baseline
▲ 0.50% · 4.625%
HK$18,265
+HK$914/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,702/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,263
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,800
−HK$545/mo
Today · 4.125%
HK$18,345
baseline
▲ 0.50% · 4.625%
HK$19,462
+HK$1,117/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$36,690/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,205
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,720
−HK$522/mo
Today · 4.125%
HK$20,242
baseline
▲ 0.50% · 4.625%
HK$21,309
+HK$1,067/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$40,484/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,195
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,886
−HK$701/mo
Today · 4.125%
HK$23,587
baseline
▲ 0.50% · 4.625%
HK$25,022
+HK$1,435/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$47,174/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,692
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,354
−HK$672/mo
Today · 4.125%
HK$26,026
baseline
▲ 0.50% · 4.625%
HK$27,398
+HK$1,372/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$52,052/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,671 · 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).