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$12,328
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,712
−HK$389/mo
Today · 4.125%
HK$13,101
baseline
▲ 0.50% · 4.625%
HK$13,899
+HK$798/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,202/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,715
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,083
−HK$373/mo
Today · 4.125%
HK$14,456
baseline
▲ 0.50% · 4.625%
HK$15,218
+HK$762/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,912/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,794
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,254
−HK$468/mo
Today · 4.125%
HK$15,722
baseline
▲ 0.50% · 4.625%
HK$16,678
+HK$956/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,444/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,458
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,900
−HK$447/mo
Today · 4.125%
HK$17,347
baseline
▲ 0.50% · 4.625%
HK$18,262
+HK$915/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,694/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,260
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,796
−HK$546/mo
Today · 4.125%
HK$18,342
baseline
▲ 0.50% · 4.625%
HK$19,458
+HK$1,116/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,684/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,201
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,716
−HK$523/mo
Today · 4.125%
HK$20,239
baseline
▲ 0.50% · 4.625%
HK$21,305
+HK$1,066/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,478/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,191
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,881
−HK$701/mo
Today · 4.125%
HK$23,582
baseline
▲ 0.50% · 4.625%
HK$25,017
+HK$1,435/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$47,164/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,687
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,349
−HK$672/mo
Today · 4.125%
HK$26,021
baseline
▲ 0.50% · 4.625%
HK$27,393
+HK$1,372/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$52,042/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,647 · 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).