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$12,312
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,695
−HK$389/mo
Today · 4.125%
HK$13,084
baseline
▲ 0.50% · 4.625%
HK$13,881
+HK$797/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,168/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,697
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,065
−HK$372/mo
Today · 4.125%
HK$14,437
baseline
▲ 0.50% · 4.625%
HK$15,198
+HK$761/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,874/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,775
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,234
−HK$467/mo
Today · 4.125%
HK$15,701
baseline
▲ 0.50% · 4.625%
HK$16,657
+HK$956/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,402/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,437
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,878
−HK$447/mo
Today · 4.125%
HK$17,325
baseline
▲ 0.50% · 4.625%
HK$18,238
+HK$913/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,650/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,237
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,773
−HK$545/mo
Today · 4.125%
HK$18,318
baseline
▲ 0.50% · 4.625%
HK$19,433
+HK$1,115/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,636/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,176
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,691
−HK$521/mo
Today · 4.125%
HK$20,212
baseline
▲ 0.50% · 4.625%
HK$21,278
+HK$1,066/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,424/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,162
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,852
−HK$700/mo
Today · 4.125%
HK$23,552
baseline
▲ 0.50% · 4.625%
HK$24,985
+HK$1,433/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$47,104/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,655
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,317
−HK$670/mo
Today · 4.125%
HK$25,987
baseline
▲ 0.50% · 4.625%
HK$27,357
+HK$1,370/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$51,974/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,490 · 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).