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$12,327
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,711
−HK$389/mo
Today · 4.125%
HK$13,100
baseline
▲ 0.50% · 4.625%
HK$13,898
+HK$798/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,200/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,714
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,082
−HK$373/mo
Today · 4.125%
HK$14,455
baseline
▲ 0.50% · 4.625%
HK$15,217
+HK$762/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,910/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,793
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,253
−HK$467/mo
Today · 4.125%
HK$15,720
baseline
▲ 0.50% · 4.625%
HK$16,677
+HK$957/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,440/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,457
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,898
−HK$448/mo
Today · 4.125%
HK$17,346
baseline
▲ 0.50% · 4.625%
HK$18,260
+HK$914/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,692/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,258
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,795
−HK$546/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$121,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,200
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,715
−HK$522/mo
Today · 4.125%
HK$20,237
baseline
▲ 0.50% · 4.625%
HK$21,304
+HK$1,067/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,474/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,189
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,879
−HK$702/mo
Today · 4.125%
HK$23,581
baseline
▲ 0.50% · 4.625%
HK$25,016
+HK$1,435/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$47,162/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,685
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,347
−HK$672/mo
Today · 4.125%
HK$26,019
baseline
▲ 0.50% · 4.625%
HK$27,390
+HK$1,371/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$52,038/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,638 · 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).