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$12,317
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,700
−HK$390/mo
Today · 4.125%
HK$13,090
baseline
▲ 0.50% · 4.625%
HK$13,886
+HK$796/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,180/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,703
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,070
−HK$373/mo
Today · 4.125%
HK$14,443
baseline
▲ 0.50% · 4.625%
HK$15,204
+HK$761/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,886/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,781
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,240
−HK$467/mo
Today · 4.125%
HK$15,707
baseline
▲ 0.50% · 4.625%
HK$16,663
+HK$956/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,414/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,443
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,884
−HK$448/mo
Today · 4.125%
HK$17,332
baseline
▲ 0.50% · 4.625%
HK$18,245
+HK$913/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,664/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,244
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,780
−HK$545/mo
Today · 4.125%
HK$18,325
baseline
▲ 0.50% · 4.625%
HK$19,440
+HK$1,115/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,650/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,184
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,698
−HK$522/mo
Today · 4.125%
HK$20,220
baseline
▲ 0.50% · 4.625%
HK$21,286
+HK$1,066/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,440/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,171
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,861
−HK$700/mo
Today · 4.125%
HK$23,561
baseline
▲ 0.50% · 4.625%
HK$24,995
+HK$1,434/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$47,122/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,665
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,326
−HK$671/mo
Today · 4.125%
HK$25,997
baseline
▲ 0.50% · 4.625%
HK$27,368
+HK$1,371/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$51,994/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,538 · 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).