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$12,329
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,712
−HK$390/mo
Today · 4.125%
HK$13,102
baseline
▲ 0.50% · 4.625%
HK$13,899
+HK$797/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,204/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,716
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,084
−HK$373/mo
Today · 4.125%
HK$14,457
baseline
▲ 0.50% · 4.625%
HK$15,219
+HK$762/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,914/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,795
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,255
−HK$467/mo
Today · 4.125%
HK$15,722
baseline
▲ 0.50% · 4.625%
HK$16,679
+HK$957/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$121,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,459
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,900
−HK$448/mo
Today · 4.125%
HK$17,348
baseline
▲ 0.50% · 4.625%
HK$18,263
+HK$915/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,696/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,260
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,797
−HK$546/mo
Today · 4.125%
HK$18,343
baseline
▲ 0.50% · 4.625%
HK$19,459
+HK$1,116/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,686/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,202
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,717
−HK$522/mo
Today · 4.125%
HK$20,239
baseline
▲ 0.50% · 4.625%
HK$21,306
+HK$1,067/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$121,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,192
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,882
−HK$702/mo
Today · 4.125%
HK$23,584
baseline
▲ 0.50% · 4.625%
HK$25,019
+HK$1,435/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$47,168/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,688
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,351
−HK$671/mo
Today · 4.125%
HK$26,022
baseline
▲ 0.50% · 4.625%
HK$27,394
+HK$1,372/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$52,044/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,653 · 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).