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$12,297
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,680
−HK$389/mo
Today · 4.125%
HK$13,069
baseline
▲ 0.50% · 4.625%
HK$13,864
+HK$795/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,138/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,681
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,048
−HK$372/mo
Today · 4.125%
HK$14,420
baseline
▲ 0.50% · 4.625%
HK$15,180
+HK$760/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,840/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,757
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,216
−HK$466/mo
Today · 4.125%
HK$15,682
baseline
▲ 0.50% · 4.625%
HK$16,637
+HK$955/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,364/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,417
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,857
−HK$447/mo
Today · 4.125%
HK$17,304
baseline
▲ 0.50% · 4.625%
HK$18,216
+HK$912/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,608/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,216
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,752
−HK$544/mo
Today · 4.125%
HK$18,296
baseline
▲ 0.50% · 4.625%
HK$19,409
+HK$1,113/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,592/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,153
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,667
−HK$521/mo
Today · 4.125%
HK$20,188
baseline
▲ 0.50% · 4.625%
HK$21,252
+HK$1,064/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,376/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,135
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,824
−HK$700/mo
Today · 4.125%
HK$23,524
baseline
▲ 0.50% · 4.625%
HK$24,955
+HK$1,431/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$47,048/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,625
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,286
−HK$670/mo
Today · 4.125%
HK$25,956
baseline
▲ 0.50% · 4.625%
HK$27,324
+HK$1,368/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$51,912/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,343 · 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).