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$12,334
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,718
−HK$390/mo
Today · 4.125%
HK$13,108
baseline
▲ 0.50% · 4.625%
HK$13,905
+HK$797/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,216/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,722
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,090
−HK$373/mo
Today · 4.125%
HK$14,463
baseline
▲ 0.50% · 4.625%
HK$15,225
+HK$762/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,926/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,801
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,261
−HK$468/mo
Today · 4.125%
HK$15,729
baseline
▲ 0.50% · 4.625%
HK$16,686
+HK$957/mo
Deposit HK$2.16M · loan HK$3.25M · min. income ≈ HK$31,458/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,466
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,908
−HK$448/mo
Today · 4.125%
HK$17,356
baseline
▲ 0.50% · 4.625%
HK$18,270
+HK$914/mo
Deposit HK$2.16M · loan HK$3.25M · min. income ≈ HK$34,712/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,268
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,805
−HK$546/mo
Today · 4.125%
HK$18,351
baseline
▲ 0.50% · 4.625%
HK$19,467
+HK$1,116/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$36,702/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,210
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,726
−HK$522/mo
Today · 4.125%
HK$20,248
baseline
▲ 0.50% · 4.625%
HK$21,316
+HK$1,068/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$40,496/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,202
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,892
−HK$702/mo
Today · 4.125%
HK$23,594
baseline
▲ 0.50% · 4.625%
HK$25,029
+HK$1,435/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$47,188/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,699
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,361
−HK$672/mo
Today · 4.125%
HK$26,033
baseline
▲ 0.50% · 4.625%
HK$27,406
+HK$1,373/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$52,066/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,706 · 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).