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$12,307
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,690
−HK$389/mo
Today · 4.125%
HK$13,079
baseline
▲ 0.50% · 4.625%
HK$13,875
+HK$796/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,158/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,692
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,059
−HK$372/mo
Today · 4.125%
HK$14,431
baseline
▲ 0.50% · 4.625%
HK$15,192
+HK$761/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,862/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,769
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,228
−HK$467/mo
Today · 4.125%
HK$15,695
baseline
▲ 0.50% · 4.625%
HK$16,650
+HK$955/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,390/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,430
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,871
−HK$447/mo
Today · 4.125%
HK$17,318
baseline
▲ 0.50% · 4.625%
HK$18,231
+HK$913/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,636/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,230
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,766
−HK$545/mo
Today · 4.125%
HK$18,311
baseline
▲ 0.50% · 4.625%
HK$19,425
+HK$1,114/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,622/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,168
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,682
−HK$522/mo
Today · 4.125%
HK$20,204
baseline
▲ 0.50% · 4.625%
HK$21,269
+HK$1,065/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,408/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,153
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,842
−HK$700/mo
Today · 4.125%
HK$23,542
baseline
▲ 0.50% · 4.625%
HK$24,975
+HK$1,433/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$47,084/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,645
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,306
−HK$671/mo
Today · 4.125%
HK$25,977
baseline
▲ 0.50% · 4.625%
HK$27,346
+HK$1,369/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$51,954/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,440 · 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).