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$12,321
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,704
−HK$389/mo
Today · 4.125%
HK$13,093
baseline
▲ 0.50% · 4.625%
HK$13,890
+HK$797/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,186/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,707
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,074
−HK$373/mo
Today · 4.125%
HK$14,447
baseline
▲ 0.50% · 4.625%
HK$15,209
+HK$762/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,894/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,785
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,245
−HK$467/mo
Today · 4.125%
HK$15,712
baseline
▲ 0.50% · 4.625%
HK$16,668
+HK$956/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,424/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,448
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,889
−HK$448/mo
Today · 4.125%
HK$17,337
baseline
▲ 0.50% · 4.625%
HK$18,251
+HK$914/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,674/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,249
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,786
−HK$545/mo
Today · 4.125%
HK$18,331
baseline
▲ 0.50% · 4.625%
HK$19,446
+HK$1,115/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,662/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,189
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,704
−HK$522/mo
Today · 4.125%
HK$20,226
baseline
▲ 0.50% · 4.625%
HK$21,292
+HK$1,066/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,452/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,177
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,867
−HK$701/mo
Today · 4.125%
HK$23,568
baseline
▲ 0.50% · 4.625%
HK$25,002
+HK$1,434/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$47,136/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,672
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,334
−HK$671/mo
Today · 4.125%
HK$26,005
baseline
▲ 0.50% · 4.625%
HK$27,376
+HK$1,371/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$52,010/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,574 · 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).