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$12,300
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,683
−HK$388/mo
Today · 4.125%
HK$13,071
baseline
▲ 0.50% · 4.625%
HK$13,867
+HK$796/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,142/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,684
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,051
−HK$372/mo
Today · 4.125%
HK$14,423
baseline
▲ 0.50% · 4.625%
HK$15,183
+HK$760/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,846/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,760
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,219
−HK$466/mo
Today · 4.125%
HK$15,685
baseline
▲ 0.50% · 4.625%
HK$16,640
+HK$955/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,370/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,420
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,861
−HK$446/mo
Today · 4.125%
HK$17,307
baseline
▲ 0.50% · 4.625%
HK$18,220
+HK$913/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,614/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,220
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,756
−HK$544/mo
Today · 4.125%
HK$18,300
baseline
▲ 0.50% · 4.625%
HK$19,413
+HK$1,113/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,600/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,157
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,671
−HK$521/mo
Today · 4.125%
HK$20,192
baseline
▲ 0.50% · 4.625%
HK$21,256
+HK$1,064/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,384/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,140
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,829
−HK$699/mo
Today · 4.125%
HK$23,528
baseline
▲ 0.50% · 4.625%
HK$24,960
+HK$1,432/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$47,056/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,630
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,291
−HK$670/mo
Today · 4.125%
HK$25,961
baseline
▲ 0.50% · 4.625%
HK$27,330
+HK$1,369/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$51,922/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,368 · 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).