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$12,310
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,693
−HK$389/mo
Today · 4.125%
HK$13,082
baseline
▲ 0.50% · 4.625%
HK$13,878
+HK$796/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,164/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,695
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,063
−HK$372/mo
Today · 4.125%
HK$14,435
baseline
▲ 0.50% · 4.625%
HK$15,196
+HK$761/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,870/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,773
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,232
−HK$467/mo
Today · 4.125%
HK$15,699
baseline
▲ 0.50% · 4.625%
HK$16,654
+HK$955/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,398/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,434
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,875
−HK$447/mo
Today · 4.125%
HK$17,322
baseline
▲ 0.50% · 4.625%
HK$18,235
+HK$913/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,644/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,235
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,771
−HK$544/mo
Today · 4.125%
HK$18,315
baseline
▲ 0.50% · 4.625%
HK$19,430
+HK$1,115/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,630/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,173
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,688
−HK$521/mo
Today · 4.125%
HK$20,209
baseline
▲ 0.50% · 4.625%
HK$21,274
+HK$1,065/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,418/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,159
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,848
−HK$700/mo
Today · 4.125%
HK$23,548
baseline
▲ 0.50% · 4.625%
HK$24,981
+HK$1,433/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$47,096/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,651
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,313
−HK$670/mo
Today · 4.125%
HK$25,983
baseline
▲ 0.50% · 4.625%
HK$27,353
+HK$1,370/mo
Deposit HK$540K · loan HK$4.86M · min. income ≈ HK$51,966/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$121,471 · 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).