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$12,308
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,691
−HK$389/mo
Today · 4.125%
HK$13,080
baseline
▲ 0.50% · 4.625%
HK$13,875
+HK$795/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,160/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,692
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,060
−HK$372/mo
Today · 4.125%
HK$14,432
baseline
▲ 0.50% · 4.625%
HK$15,193
+HK$761/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,864/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,769
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,229
−HK$467/mo
Today · 4.125%
HK$15,696
baseline
▲ 0.50% · 4.625%
HK$16,651
+HK$955/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,392/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,431
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,871
−HK$447/mo
Today · 4.125%
HK$17,318
baseline
▲ 0.50% · 4.625%
HK$18,231
+HK$913/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,636/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,231
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,767
−HK$544/mo
Today · 4.125%
HK$18,311
baseline
▲ 0.50% · 4.625%
HK$19,426
+HK$1,115/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,622/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,169
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,683
−HK$522/mo
Today · 4.125%
HK$20,205
baseline
▲ 0.50% · 4.625%
HK$21,270
+HK$1,065/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,410/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,154
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,843
−HK$700/mo
Today · 4.125%
HK$23,543
baseline
▲ 0.50% · 4.625%
HK$24,976
+HK$1,433/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$47,086/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,646
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,307
−HK$671/mo
Today · 4.125%
HK$25,978
baseline
▲ 0.50% · 4.625%
HK$27,347
+HK$1,369/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$51,956/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,445 · 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).