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$12,310
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,693
−HK$389/mo
Today · 4.125%
HK$13,082
baseline
▲ 0.50% · 4.625%
HK$13,878
+HK$796/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,164/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,695
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,062
−HK$372/mo
Today · 4.125%
HK$14,434
baseline
▲ 0.50% · 4.625%
HK$15,195
+HK$761/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,868/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,772
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,231
−HK$467/mo
Today · 4.125%
HK$15,698
baseline
▲ 0.50% · 4.625%
HK$16,653
+HK$955/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,396/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,433
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,874
−HK$447/mo
Today · 4.125%
HK$17,321
baseline
▲ 0.50% · 4.625%
HK$18,234
+HK$913/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,642/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,234
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,770
−HK$544/mo
Today · 4.125%
HK$18,314
baseline
▲ 0.50% · 4.625%
HK$19,429
+HK$1,115/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,628/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,172
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,686
−HK$522/mo
Today · 4.125%
HK$20,208
baseline
▲ 0.50% · 4.625%
HK$21,273
+HK$1,065/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,416/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,158
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,847
−HK$700/mo
Today · 4.125%
HK$23,547
baseline
▲ 0.50% · 4.625%
HK$24,980
+HK$1,433/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$47,094/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,650
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,311
−HK$671/mo
Today · 4.125%
HK$25,982
baseline
▲ 0.50% · 4.625%
HK$27,351
+HK$1,369/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$51,964/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,465 · 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).