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$12,292
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,675
−HK$388/mo
Today · 4.125%
HK$13,063
baseline
▲ 0.50% · 4.625%
HK$13,858
+HK$795/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,126/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,675
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,042
−HK$372/mo
Today · 4.125%
HK$14,414
baseline
▲ 0.50% · 4.625%
HK$15,174
+HK$760/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,828/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,751
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,210
−HK$466/mo
Today · 4.125%
HK$15,676
baseline
▲ 0.50% · 4.625%
HK$16,630
+HK$954/mo
Deposit HK$2.16M · loan HK$3.23M · min. income ≈ HK$31,352/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,410
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,850
−HK$447/mo
Today · 4.125%
HK$17,297
baseline
▲ 0.50% · 4.625%
HK$18,208
+HK$911/mo
Deposit HK$2.16M · loan HK$3.23M · min. income ≈ HK$34,594/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,209
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,745
−HK$543/mo
Today · 4.125%
HK$18,288
baseline
▲ 0.50% · 4.625%
HK$19,401
+HK$1,113/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$36,576/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,145
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,659
−HK$520/mo
Today · 4.125%
HK$20,179
baseline
▲ 0.50% · 4.625%
HK$21,243
+HK$1,064/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$40,358/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,126
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,814
−HK$700/mo
Today · 4.125%
HK$23,514
baseline
▲ 0.50% · 4.625%
HK$24,944
+HK$1,430/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$47,028/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,615
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,275
−HK$670/mo
Today · 4.125%
HK$25,945
baseline
▲ 0.50% · 4.625%
HK$27,313
+HK$1,368/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$51,890/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,293 · 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).