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$12,320
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,703
−HK$390/mo
Today · 4.125%
HK$13,093
baseline
▲ 0.50% · 4.625%
HK$13,889
+HK$796/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,186/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,706
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,074
−HK$372/mo
Today · 4.125%
HK$14,446
baseline
▲ 0.50% · 4.625%
HK$15,208
+HK$762/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,892/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,784
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,244
−HK$467/mo
Today · 4.125%
HK$15,711
baseline
▲ 0.50% · 4.625%
HK$16,667
+HK$956/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,422/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,447
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,888
−HK$448/mo
Today · 4.125%
HK$17,336
baseline
▲ 0.50% · 4.625%
HK$18,250
+HK$914/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,672/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,248
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,785
−HK$545/mo
Today · 4.125%
HK$18,330
baseline
▲ 0.50% · 4.625%
HK$19,445
+HK$1,115/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,660/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,188
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,703
−HK$522/mo
Today · 4.125%
HK$20,225
baseline
▲ 0.50% · 4.625%
HK$21,291
+HK$1,066/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,450/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,176
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,866
−HK$701/mo
Today · 4.125%
HK$23,567
baseline
▲ 0.50% · 4.625%
HK$25,001
+HK$1,434/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$47,134/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,671
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,332
−HK$672/mo
Today · 4.125%
HK$26,004
baseline
▲ 0.50% · 4.625%
HK$27,374
+HK$1,370/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$52,008/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,566 · 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).