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$12,315
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,698
−HK$389/mo
Today · 4.125%
HK$13,087
baseline
▲ 0.50% · 4.625%
HK$13,883
+HK$796/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,174/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,700
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,067
−HK$373/mo
Today · 4.125%
HK$14,440
baseline
▲ 0.50% · 4.625%
HK$15,201
+HK$761/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,880/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,778
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,237
−HK$467/mo
Today · 4.125%
HK$15,704
baseline
▲ 0.50% · 4.625%
HK$16,660
+HK$956/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,408/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,440
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,881
−HK$447/mo
Today · 4.125%
HK$17,328
baseline
▲ 0.50% · 4.625%
HK$18,242
+HK$914/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,656/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,241
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,777
−HK$545/mo
Today · 4.125%
HK$18,322
baseline
▲ 0.50% · 4.625%
HK$19,436
+HK$1,114/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,644/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,180
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,694
−HK$522/mo
Today · 4.125%
HK$20,216
baseline
▲ 0.50% · 4.625%
HK$21,282
+HK$1,066/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,432/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,166
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,856
−HK$700/mo
Today · 4.125%
HK$23,556
baseline
▲ 0.50% · 4.625%
HK$24,990
+HK$1,434/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$47,112/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,660
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,321
−HK$671/mo
Today · 4.125%
HK$25,992
baseline
▲ 0.50% · 4.625%
HK$27,362
+HK$1,370/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$51,984/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,513 · 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).