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$12,327
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,710
−HK$390/mo
Today · 4.125%
HK$13,100
baseline
▲ 0.50% · 4.625%
HK$13,897
+HK$797/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,200/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,714
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,081
−HK$373/mo
Today · 4.125%
HK$14,454
baseline
▲ 0.50% · 4.625%
HK$15,216
+HK$762/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,908/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,792
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,252
−HK$468/mo
Today · 4.125%
HK$15,720
baseline
▲ 0.50% · 4.625%
HK$16,676
+HK$956/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,440/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,456
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,898
−HK$447/mo
Today · 4.125%
HK$17,345
baseline
▲ 0.50% · 4.625%
HK$18,260
+HK$915/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,690/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,258
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,794
−HK$546/mo
Today · 4.125%
HK$18,340
baseline
▲ 0.50% · 4.625%
HK$19,456
+HK$1,116/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,680/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,199
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,714
−HK$522/mo
Today · 4.125%
HK$20,236
baseline
▲ 0.50% · 4.625%
HK$21,303
+HK$1,067/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,472/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,188
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,879
−HK$701/mo
Today · 4.125%
HK$23,580
baseline
▲ 0.50% · 4.625%
HK$25,015
+HK$1,435/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$47,160/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,684
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,346
−HK$672/mo
Today · 4.125%
HK$26,018
baseline
▲ 0.50% · 4.625%
HK$27,389
+HK$1,371/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$52,036/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,634 · 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).