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$12,315
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,699
−HK$389/mo
Today · 4.125%
HK$13,088
baseline
▲ 0.50% · 4.625%
HK$13,884
+HK$796/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,176/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,701
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,068
−HK$373/mo
Today · 4.125%
HK$14,441
baseline
▲ 0.50% · 4.625%
HK$15,202
+HK$761/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,882/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,779
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,238
−HK$467/mo
Today · 4.125%
HK$15,705
baseline
▲ 0.50% · 4.625%
HK$16,661
+HK$956/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,410/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,441
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,882
−HK$447/mo
Today · 4.125%
HK$17,329
baseline
▲ 0.50% · 4.625%
HK$18,243
+HK$914/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,658/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,242
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,778
−HK$545/mo
Today · 4.125%
HK$18,323
baseline
▲ 0.50% · 4.625%
HK$19,438
+HK$1,115/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,646/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,181
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,696
−HK$521/mo
Today · 4.125%
HK$20,217
baseline
▲ 0.50% · 4.625%
HK$21,283
+HK$1,066/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,434/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,168
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,857
−HK$701/mo
Today · 4.125%
HK$23,558
baseline
▲ 0.50% · 4.625%
HK$24,991
+HK$1,433/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$47,116/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,661
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,323
−HK$671/mo
Today · 4.125%
HK$25,994
baseline
▲ 0.50% · 4.625%
HK$27,364
+HK$1,370/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$51,988/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,521 · 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).