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$12,291
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,673
−HK$389/mo
Today · 4.125%
HK$13,062
baseline
▲ 0.50% · 4.625%
HK$13,857
+HK$795/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,124/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,674
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,040
−HK$372/mo
Today · 4.125%
HK$14,412
baseline
▲ 0.50% · 4.625%
HK$15,172
+HK$760/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,824/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,749
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,208
−HK$466/mo
Today · 4.125%
HK$15,674
baseline
▲ 0.50% · 4.625%
HK$16,628
+HK$954/mo
Deposit HK$2.16M · loan HK$3.23M · min. income ≈ HK$31,348/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,408
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,848
−HK$447/mo
Today · 4.125%
HK$17,295
baseline
▲ 0.50% · 4.625%
HK$18,206
+HK$911/mo
Deposit HK$2.16M · loan HK$3.23M · min. income ≈ HK$34,590/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,207
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,743
−HK$543/mo
Today · 4.125%
HK$18,286
baseline
▲ 0.50% · 4.625%
HK$19,399
+HK$1,113/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$36,572/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,143
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,657
−HK$520/mo
Today · 4.125%
HK$20,177
baseline
▲ 0.50% · 4.625%
HK$21,241
+HK$1,064/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$40,354/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,124
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,812
−HK$699/mo
Today · 4.125%
HK$23,511
baseline
▲ 0.50% · 4.625%
HK$24,942
+HK$1,431/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$47,022/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,613
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,273
−HK$669/mo
Today · 4.125%
HK$25,942
baseline
▲ 0.50% · 4.625%
HK$27,310
+HK$1,368/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$51,884/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,280 · 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).