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$12,313
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,696
−HK$389/mo
Today · 4.125%
HK$13,085
baseline
▲ 0.50% · 4.625%
HK$13,882
+HK$797/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,170/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,698
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,066
−HK$372/mo
Today · 4.125%
HK$14,438
baseline
▲ 0.50% · 4.625%
HK$15,199
+HK$761/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,876/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,776
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,235
−HK$467/mo
Today · 4.125%
HK$15,702
baseline
▲ 0.50% · 4.625%
HK$16,658
+HK$956/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,404/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,438
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,879
−HK$447/mo
Today · 4.125%
HK$17,326
baseline
▲ 0.50% · 4.625%
HK$18,239
+HK$913/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,652/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,238
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,775
−HK$544/mo
Today · 4.125%
HK$18,319
baseline
▲ 0.50% · 4.625%
HK$19,434
+HK$1,115/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,638/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,178
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,692
−HK$522/mo
Today · 4.125%
HK$20,214
baseline
▲ 0.50% · 4.625%
HK$21,279
+HK$1,065/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,428/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,164
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,853
−HK$701/mo
Today · 4.125%
HK$23,554
baseline
▲ 0.50% · 4.625%
HK$24,987
+HK$1,433/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$47,108/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,657
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,318
−HK$671/mo
Today · 4.125%
HK$25,989
baseline
▲ 0.50% · 4.625%
HK$27,359
+HK$1,370/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$51,978/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,499 · 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).