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$12,333
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,716
−HK$390/mo
Today · 4.125%
HK$13,106
baseline
▲ 0.50% · 4.625%
HK$13,904
+HK$798/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,212/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,720
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,088
−HK$373/mo
Today · 4.125%
HK$14,461
baseline
▲ 0.50% · 4.625%
HK$15,224
+HK$763/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,922/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,799
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,260
−HK$467/mo
Today · 4.125%
HK$15,727
baseline
▲ 0.50% · 4.625%
HK$16,684
+HK$957/mo
Deposit HK$2.16M · loan HK$3.25M · min. income ≈ HK$31,454/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,464
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,906
−HK$448/mo
Today · 4.125%
HK$17,354
baseline
▲ 0.50% · 4.625%
HK$18,268
+HK$914/mo
Deposit HK$2.16M · loan HK$3.25M · min. income ≈ HK$34,708/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,266
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,803
−HK$546/mo
Today · 4.125%
HK$18,349
baseline
▲ 0.50% · 4.625%
HK$19,465
+HK$1,116/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$36,698/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,208
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,723
−HK$523/mo
Today · 4.125%
HK$20,246
baseline
▲ 0.50% · 4.625%
HK$21,313
+HK$1,067/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$40,492/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,199
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,890
−HK$701/mo
Today · 4.125%
HK$23,591
baseline
▲ 0.50% · 4.625%
HK$25,027
+HK$1,436/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$47,182/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,696
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,359
−HK$671/mo
Today · 4.125%
HK$26,030
baseline
▲ 0.50% · 4.625%
HK$27,403
+HK$1,373/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$52,060/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,692 · 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).