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$12,296
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,679
−HK$388/mo
Today · 4.125%
HK$13,067
baseline
▲ 0.50% · 4.625%
HK$13,862
+HK$795/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,134/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,679
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,046
−HK$372/mo
Today · 4.125%
HK$14,418
baseline
▲ 0.50% · 4.625%
HK$15,178
+HK$760/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,836/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,755
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,214
−HK$467/mo
Today · 4.125%
HK$15,681
baseline
▲ 0.50% · 4.625%
HK$16,635
+HK$954/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,362/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,415
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,855
−HK$447/mo
Today · 4.125%
HK$17,302
baseline
▲ 0.50% · 4.625%
HK$18,214
+HK$912/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,604/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,215
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,750
−HK$544/mo
Today · 4.125%
HK$18,294
baseline
▲ 0.50% · 4.625%
HK$19,407
+HK$1,113/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$36,588/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,151
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,665
−HK$521/mo
Today · 4.125%
HK$20,186
baseline
▲ 0.50% · 4.625%
HK$21,250
+HK$1,064/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$40,372/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,133
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,821
−HK$700/mo
Today · 4.125%
HK$23,521
baseline
▲ 0.50% · 4.625%
HK$24,952
+HK$1,431/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$47,042/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,623
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,283
−HK$670/mo
Today · 4.125%
HK$25,953
baseline
▲ 0.50% · 4.625%
HK$27,321
+HK$1,368/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$51,906/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,330 · 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).