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$12,320
−HK$773/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$121,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,706
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,074
−HK$373/mo
Today · 4.125%
HK$14,447
baseline
▲ 0.50% · 4.625%
HK$15,208
+HK$761/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$121,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,785
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,244
−HK$468/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$121,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,448
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,889
−HK$447/mo
Today · 4.125%
HK$17,336
baseline
▲ 0.50% · 4.625%
HK$18,250
+HK$914/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,672/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,249
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,785
−HK$545/mo
Today · 4.125%
HK$18,330
baseline
▲ 0.50% · 4.625%
HK$19,446
+HK$1,116/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,660/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,570 · 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$121,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,177
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,867
−HK$700/mo
Today · 4.125%
HK$23,567
baseline
▲ 0.50% · 4.625%
HK$25,001
+HK$1,434/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$47,134/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,671
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,333
−HK$671/mo
Today · 4.125%
HK$26,004
baseline
▲ 0.50% · 4.625%
HK$27,375
+HK$1,371/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$52,008/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,570 · 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).