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$12,324
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,707
−HK$390/mo
Today · 4.125%
HK$13,097
baseline
▲ 0.50% · 4.625%
HK$13,894
+HK$797/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,194/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,710
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,078
−HK$373/mo
Today · 4.125%
HK$14,451
baseline
▲ 0.50% · 4.625%
HK$15,213
+HK$762/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,902/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,789
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,249
−HK$467/mo
Today · 4.125%
HK$15,716
baseline
▲ 0.50% · 4.625%
HK$16,672
+HK$956/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,432/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,452
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,894
−HK$447/mo
Today · 4.125%
HK$17,341
baseline
▲ 0.50% · 4.625%
HK$18,255
+HK$914/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,682/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,253
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,790
−HK$545/mo
Today · 4.125%
HK$18,335
baseline
▲ 0.50% · 4.625%
HK$19,451
+HK$1,116/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,670/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,194
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,709
−HK$522/mo
Today · 4.125%
HK$20,231
baseline
▲ 0.50% · 4.625%
HK$21,298
+HK$1,067/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,462/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,183
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,873
−HK$701/mo
Today · 4.125%
HK$23,574
baseline
▲ 0.50% · 4.625%
HK$25,009
+HK$1,435/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$47,148/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,678
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,340
−HK$672/mo
Today · 4.125%
HK$26,012
baseline
▲ 0.50% · 4.625%
HK$27,383
+HK$1,371/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$52,024/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,604 · 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).