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$12,299
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,682
−HK$388/mo
Today · 4.125%
HK$13,070
baseline
▲ 0.50% · 4.625%
HK$13,866
+HK$796/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,140/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,683
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,050
−HK$372/mo
Today · 4.125%
HK$14,422
baseline
▲ 0.50% · 4.625%
HK$15,182
+HK$760/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,844/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,759
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,218
−HK$466/mo
Today · 4.125%
HK$15,684
baseline
▲ 0.50% · 4.625%
HK$16,639
+HK$955/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,368/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,419
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,859
−HK$447/mo
Today · 4.125%
HK$17,306
baseline
▲ 0.50% · 4.625%
HK$18,218
+HK$912/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,612/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,219
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,754
−HK$544/mo
Today · 4.125%
HK$18,298
baseline
▲ 0.50% · 4.625%
HK$19,412
+HK$1,114/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,596/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,156
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,669
−HK$522/mo
Today · 4.125%
HK$20,191
baseline
▲ 0.50% · 4.625%
HK$21,255
+HK$1,064/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,382/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,138
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,827
−HK$700/mo
Today · 4.125%
HK$23,527
baseline
▲ 0.50% · 4.625%
HK$24,958
+HK$1,431/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$47,054/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,629
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,289
−HK$670/mo
Today · 4.125%
HK$25,959
baseline
▲ 0.50% · 4.625%
HK$27,328
+HK$1,369/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$51,918/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,359 · 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).