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$12,326
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,710
−HK$389/mo
Today · 4.125%
HK$13,099
baseline
▲ 0.50% · 4.625%
HK$13,897
+HK$798/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,198/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,713
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,081
−HK$373/mo
Today · 4.125%
HK$14,454
baseline
▲ 0.50% · 4.625%
HK$15,216
+HK$762/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,908/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,792
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,252
−HK$467/mo
Today · 4.125%
HK$15,719
baseline
▲ 0.50% · 4.625%
HK$16,676
+HK$957/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,438/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,456
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,897
−HK$448/mo
Today · 4.125%
HK$17,345
baseline
▲ 0.50% · 4.625%
HK$18,259
+HK$914/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,690/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,257
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,794
−HK$545/mo
Today · 4.125%
HK$18,339
baseline
▲ 0.50% · 4.625%
HK$19,455
+HK$1,116/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$36,678/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,198
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,713
−HK$523/mo
Today · 4.125%
HK$20,236
baseline
▲ 0.50% · 4.625%
HK$21,302
+HK$1,066/mo
Deposit HK$1.62M · loan HK$3.78M · min. income ≈ HK$40,472/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,188
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,878
−HK$701/mo
Today · 4.125%
HK$23,579
baseline
▲ 0.50% · 4.625%
HK$25,014
+HK$1,435/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$47,158/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,684
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,346
−HK$671/mo
Today · 4.125%
HK$26,017
baseline
▲ 0.50% · 4.625%
HK$27,389
+HK$1,372/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$52,034/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,630 · 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).