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$12,302
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,685
−HK$389/mo
Today · 4.125%
HK$13,074
baseline
▲ 0.50% · 4.625%
HK$13,869
+HK$795/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,148/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,686
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,053
−HK$372/mo
Today · 4.125%
HK$14,425
baseline
▲ 0.50% · 4.625%
HK$15,186
+HK$761/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,850/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,763
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,222
−HK$466/mo
Today · 4.125%
HK$15,688
baseline
▲ 0.50% · 4.625%
HK$16,643
+HK$955/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,376/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,423
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,864
−HK$446/mo
Today · 4.125%
HK$17,310
baseline
▲ 0.50% · 4.625%
HK$18,223
+HK$913/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,620/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,223
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,759
−HK$544/mo
Today · 4.125%
HK$18,303
baseline
▲ 0.50% · 4.625%
HK$19,417
+HK$1,114/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,606/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,160
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,674
−HK$522/mo
Today · 4.125%
HK$20,196
baseline
▲ 0.50% · 4.625%
HK$21,260
+HK$1,064/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,392/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,144
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,833
−HK$699/mo
Today · 4.125%
HK$23,532
baseline
▲ 0.50% · 4.625%
HK$24,964
+HK$1,432/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$47,064/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,635
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,295
−HK$671/mo
Today · 4.125%
HK$25,966
baseline
▲ 0.50% · 4.625%
HK$27,334
+HK$1,368/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$51,932/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,389 · 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).