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$12,311
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,694
−HK$389/mo
Today · 4.125%
HK$13,083
baseline
▲ 0.50% · 4.625%
HK$13,879
+HK$796/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,166/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,696
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,063
−HK$373/mo
Today · 4.125%
HK$14,436
baseline
▲ 0.50% · 4.625%
HK$15,197
+HK$761/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,872/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,773
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,233
−HK$467/mo
Today · 4.125%
HK$15,700
baseline
▲ 0.50% · 4.625%
HK$16,655
+HK$955/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,400/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,435
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,876
−HK$447/mo
Today · 4.125%
HK$17,323
baseline
▲ 0.50% · 4.625%
HK$18,236
+HK$913/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,646/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,236
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,772
−HK$544/mo
Today · 4.125%
HK$18,316
baseline
▲ 0.50% · 4.625%
HK$19,431
+HK$1,115/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,632/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,174
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,689
−HK$521/mo
Today · 4.125%
HK$20,210
baseline
▲ 0.50% · 4.625%
HK$21,276
+HK$1,066/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,420/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,160
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,849
−HK$701/mo
Today · 4.125%
HK$23,550
baseline
▲ 0.50% · 4.625%
HK$24,983
+HK$1,433/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$47,100/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,653
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,314
−HK$671/mo
Today · 4.125%
HK$25,985
baseline
▲ 0.50% · 4.625%
HK$27,354
+HK$1,369/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$51,970/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,478 · 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).