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$12,306
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,689
−HK$389/mo
Today · 4.125%
HK$13,078
baseline
▲ 0.50% · 4.625%
HK$13,874
+HK$796/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,156/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,691
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,058
−HK$372/mo
Today · 4.125%
HK$14,430
baseline
▲ 0.50% · 4.625%
HK$15,191
+HK$761/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,860/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,768
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,227
−HK$467/mo
Today · 4.125%
HK$15,694
baseline
▲ 0.50% · 4.625%
HK$16,649
+HK$955/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,388/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,429
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,869
−HK$447/mo
Today · 4.125%
HK$17,316
baseline
▲ 0.50% · 4.625%
HK$18,229
+HK$913/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,632/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,229
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,765
−HK$544/mo
Today · 4.125%
HK$18,309
baseline
▲ 0.50% · 4.625%
HK$19,423
+HK$1,114/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,618/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,167
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,681
−HK$521/mo
Today · 4.125%
HK$20,202
baseline
▲ 0.50% · 4.625%
HK$21,267
+HK$1,065/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,404/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,151
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,840
−HK$700/mo
Today · 4.125%
HK$23,540
baseline
▲ 0.50% · 4.625%
HK$24,973
+HK$1,433/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$47,080/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,643
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,304
−HK$671/mo
Today · 4.125%
HK$25,975
baseline
▲ 0.50% · 4.625%
HK$27,344
+HK$1,369/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$51,950/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,431 · 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).