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$12,678
−HK$388/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$121,320 · 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$121,320 · 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$121,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,414
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,854
−HK$447/mo
Today · 4.125%
HK$17,301
baseline
▲ 0.50% · 4.625%
HK$18,213
+HK$912/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,602/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,213
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,749
−HK$544/mo
Today · 4.125%
HK$18,293
baseline
▲ 0.50% · 4.625%
HK$19,406
+HK$1,113/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$36,586/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,149
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,663
−HK$521/mo
Today · 4.125%
HK$20,184
baseline
▲ 0.50% · 4.625%
HK$21,248
+HK$1,064/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$40,368/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,131
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,820
−HK$699/mo
Today · 4.125%
HK$23,519
baseline
▲ 0.50% · 4.625%
HK$24,950
+HK$1,431/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$47,038/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,621
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,281
−HK$670/mo
Today · 4.125%
HK$25,951
baseline
▲ 0.50% · 4.625%
HK$27,319
+HK$1,368/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$51,902/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,320 · 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).