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$12,329
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,712
−HK$390/mo
Today · 4.125%
HK$13,102
baseline
▲ 0.50% · 4.625%
HK$13,899
+HK$797/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,204/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,715
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,083
−HK$373/mo
Today · 4.125%
HK$14,456
baseline
▲ 0.50% · 4.625%
HK$15,219
+HK$763/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,912/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,794
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,255
−HK$467/mo
Today · 4.125%
HK$15,722
baseline
▲ 0.50% · 4.625%
HK$16,679
+HK$957/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,444/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,459
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,900
−HK$448/mo
Today · 4.125%
HK$17,348
baseline
▲ 0.50% · 4.625%
HK$18,262
+HK$914/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,696/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,260
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,797
−HK$545/mo
Today · 4.125%
HK$18,342
baseline
▲ 0.50% · 4.625%
HK$19,459
+HK$1,117/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,684/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,202
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,717
−HK$522/mo
Today · 4.125%
HK$20,239
baseline
▲ 0.50% · 4.625%
HK$21,306
+HK$1,067/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,478/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,192
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,882
−HK$701/mo
Today · 4.125%
HK$23,583
baseline
▲ 0.50% · 4.625%
HK$25,018
+HK$1,435/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$47,166/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,688
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,350
−HK$672/mo
Today · 4.125%
HK$26,022
baseline
▲ 0.50% · 4.625%
HK$27,393
+HK$1,371/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$52,044/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,651 · 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).