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$12,304
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,687
−HK$388/mo
Today · 4.125%
HK$13,075
baseline
▲ 0.50% · 4.625%
HK$13,871
+HK$796/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,150/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,688
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,055
−HK$372/mo
Today · 4.125%
HK$14,427
baseline
▲ 0.50% · 4.625%
HK$15,188
+HK$761/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,854/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,765
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,224
−HK$466/mo
Today · 4.125%
HK$15,690
baseline
▲ 0.50% · 4.625%
HK$16,645
+HK$955/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,380/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,425
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,866
−HK$447/mo
Today · 4.125%
HK$17,313
baseline
▲ 0.50% · 4.625%
HK$18,225
+HK$912/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,626/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,225
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,761
−HK$545/mo
Today · 4.125%
HK$18,306
baseline
▲ 0.50% · 4.625%
HK$19,419
+HK$1,113/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,612/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,163
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,677
−HK$521/mo
Today · 4.125%
HK$20,198
baseline
▲ 0.50% · 4.625%
HK$21,263
+HK$1,065/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,396/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,147
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,836
−HK$700/mo
Today · 4.125%
HK$23,536
baseline
▲ 0.50% · 4.625%
HK$24,968
+HK$1,432/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$47,072/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,638
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,299
−HK$670/mo
Today · 4.125%
HK$25,969
baseline
▲ 0.50% · 4.625%
HK$27,338
+HK$1,369/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$51,938/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,406 · 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).