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$12,312
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,695
−HK$389/mo
Today · 4.125%
HK$13,084
baseline
▲ 0.50% · 4.625%
HK$13,880
+HK$796/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,168/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,697
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,064
−HK$373/mo
Today · 4.125%
HK$14,437
baseline
▲ 0.50% · 4.625%
HK$15,198
+HK$761/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,874/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,774
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,234
−HK$466/mo
Today · 4.125%
HK$15,700
baseline
▲ 0.50% · 4.625%
HK$16,656
+HK$956/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,400/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,436
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,877
−HK$447/mo
Today · 4.125%
HK$17,324
baseline
▲ 0.50% · 4.625%
HK$18,237
+HK$913/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,648/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,236
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,772
−HK$545/mo
Today · 4.125%
HK$18,317
baseline
▲ 0.50% · 4.625%
HK$19,432
+HK$1,115/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,634/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,175
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,689
−HK$522/mo
Today · 4.125%
HK$20,211
baseline
▲ 0.50% · 4.625%
HK$21,277
+HK$1,066/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,422/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,161
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,850
−HK$701/mo
Today · 4.125%
HK$23,551
baseline
▲ 0.50% · 4.625%
HK$24,984
+HK$1,433/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$47,102/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,654
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,315
−HK$671/mo
Today · 4.125%
HK$25,986
baseline
▲ 0.50% · 4.625%
HK$27,356
+HK$1,370/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$51,972/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,483 · 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).