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$12,325
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,708
−HK$390/mo
Today · 4.125%
HK$13,098
baseline
▲ 0.50% · 4.625%
HK$13,895
+HK$797/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,196/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,711
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,079
−HK$373/mo
Today · 4.125%
HK$14,452
baseline
▲ 0.50% · 4.625%
HK$15,214
+HK$762/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,904/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,790
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,250
−HK$467/mo
Today · 4.125%
HK$15,717
baseline
▲ 0.50% · 4.625%
HK$16,674
+HK$957/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,434/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,454
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,895
−HK$447/mo
Today · 4.125%
HK$17,342
baseline
▲ 0.50% · 4.625%
HK$18,257
+HK$915/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,684/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,255
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,792
−HK$545/mo
Today · 4.125%
HK$18,337
baseline
▲ 0.50% · 4.625%
HK$19,453
+HK$1,116/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,674/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,196
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,711
−HK$522/mo
Today · 4.125%
HK$20,233
baseline
▲ 0.50% · 4.625%
HK$21,299
+HK$1,066/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,466/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,185
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,875
−HK$701/mo
Today · 4.125%
HK$23,576
baseline
▲ 0.50% · 4.625%
HK$25,010
+HK$1,434/mo
Deposit HK$541K · loan HK$4.86M · min. income ≈ HK$47,152/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,680
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,342
−HK$672/mo
Today · 4.125%
HK$26,014
baseline
▲ 0.50% · 4.625%
HK$27,385
+HK$1,371/mo
Deposit HK$541K · loan HK$4.86M · min. income ≈ HK$52,028/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,614 · 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).