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$12,328
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,711
−HK$390/mo
Today · 4.125%
HK$13,101
baseline
▲ 0.50% · 4.625%
HK$13,898
+HK$797/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,202/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,715
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,082
−HK$374/mo
Today · 4.125%
HK$14,456
baseline
▲ 0.50% · 4.625%
HK$15,218
+HK$762/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,912/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,793
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,254
−HK$467/mo
Today · 4.125%
HK$15,721
baseline
▲ 0.50% · 4.625%
HK$16,678
+HK$957/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,442/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,458
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,899
−HK$448/mo
Today · 4.125%
HK$17,347
baseline
▲ 0.50% · 4.625%
HK$18,261
+HK$914/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,694/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,259
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,796
−HK$545/mo
Today · 4.125%
HK$18,341
baseline
▲ 0.50% · 4.625%
HK$19,457
+HK$1,116/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,682/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,201
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,715
−HK$523/mo
Today · 4.125%
HK$20,238
baseline
▲ 0.50% · 4.625%
HK$21,305
+HK$1,067/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,476/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,190
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,880
−HK$702/mo
Today · 4.125%
HK$23,582
baseline
▲ 0.50% · 4.625%
HK$25,017
+HK$1,435/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$47,164/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,686
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,348
−HK$672/mo
Today · 4.125%
HK$26,020
baseline
▲ 0.50% · 4.625%
HK$27,392
+HK$1,372/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$52,040/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,644 · 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).