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$12,330
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,713
−HK$390/mo
Today · 4.125%
HK$13,103
baseline
▲ 0.50% · 4.625%
HK$13,900
+HK$797/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,206/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,717
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,085
−HK$373/mo
Today · 4.125%
HK$14,458
baseline
▲ 0.50% · 4.625%
HK$15,220
+HK$762/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,916/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,796
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,256
−HK$468/mo
Today · 4.125%
HK$15,724
baseline
▲ 0.50% · 4.625%
HK$16,680
+HK$956/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,448/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,460
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,902
−HK$447/mo
Today · 4.125%
HK$17,349
baseline
▲ 0.50% · 4.625%
HK$18,264
+HK$915/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,698/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,262
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,799
−HK$545/mo
Today · 4.125%
HK$18,344
baseline
▲ 0.50% · 4.625%
HK$19,460
+HK$1,116/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$36,688/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,204
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,719
−HK$522/mo
Today · 4.125%
HK$20,241
baseline
▲ 0.50% · 4.625%
HK$21,308
+HK$1,067/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$40,482/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,194
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,884
−HK$701/mo
Today · 4.125%
HK$23,585
baseline
▲ 0.50% · 4.625%
HK$25,021
+HK$1,436/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$47,170/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,690
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,352
−HK$672/mo
Today · 4.125%
HK$26,024
baseline
▲ 0.50% · 4.625%
HK$27,396
+HK$1,372/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$52,048/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,663 · 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).