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$12,301
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,683
−HK$389/mo
Today · 4.125%
HK$13,072
baseline
▲ 0.50% · 4.625%
HK$13,868
+HK$796/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,144/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,685
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,052
−HK$372/mo
Today · 4.125%
HK$14,424
baseline
▲ 0.50% · 4.625%
HK$15,184
+HK$760/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,848/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,761
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,220
−HK$467/mo
Today · 4.125%
HK$15,687
baseline
▲ 0.50% · 4.625%
HK$16,641
+HK$954/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,374/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,421
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,862
−HK$447/mo
Today · 4.125%
HK$17,309
baseline
▲ 0.50% · 4.625%
HK$18,221
+HK$912/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,618/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,221
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,757
−HK$544/mo
Today · 4.125%
HK$18,301
baseline
▲ 0.50% · 4.625%
HK$19,415
+HK$1,114/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,602/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,158
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,672
−HK$521/mo
Today · 4.125%
HK$20,193
baseline
▲ 0.50% · 4.625%
HK$21,258
+HK$1,065/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,386/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,142
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,830
−HK$700/mo
Today · 4.125%
HK$23,530
baseline
▲ 0.50% · 4.625%
HK$24,962
+HK$1,432/mo
Deposit HK$539K · loan HK$4.86M · min. income ≈ HK$47,060/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,632
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,293
−HK$670/mo
Today · 4.125%
HK$25,963
baseline
▲ 0.50% · 4.625%
HK$27,332
+HK$1,369/mo
Deposit HK$539K · loan HK$4.86M · min. income ≈ HK$51,926/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,377 · 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).