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$12,295
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,677
−HK$389/mo
Today · 4.125%
HK$13,066
baseline
▲ 0.50% · 4.625%
HK$13,861
+HK$795/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,132/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,678
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,045
−HK$372/mo
Today · 4.125%
HK$14,417
baseline
▲ 0.50% · 4.625%
HK$15,177
+HK$760/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,834/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,754
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,213
−HK$466/mo
Today · 4.125%
HK$15,679
baseline
▲ 0.50% · 4.625%
HK$16,633
+HK$954/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,358/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,413
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,854
−HK$446/mo
Today · 4.125%
HK$17,300
baseline
▲ 0.50% · 4.625%
HK$18,212
+HK$912/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,600/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,213
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,748
−HK$544/mo
Today · 4.125%
HK$18,292
baseline
▲ 0.50% · 4.625%
HK$19,405
+HK$1,113/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$36,584/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,149
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,662
−HK$521/mo
Today · 4.125%
HK$20,183
baseline
▲ 0.50% · 4.625%
HK$21,247
+HK$1,064/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$40,366/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,131
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,819
−HK$699/mo
Today · 4.125%
HK$23,518
baseline
▲ 0.50% · 4.625%
HK$24,949
+HK$1,431/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$47,036/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,620
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,280
−HK$670/mo
Today · 4.125%
HK$25,950
baseline
▲ 0.50% · 4.625%
HK$27,318
+HK$1,368/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$51,900/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,317 · 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).