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$12,294
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,676
−HK$389/mo
Today · 4.125%
HK$13,065
baseline
▲ 0.50% · 4.625%
HK$13,860
+HK$795/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,130/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,677
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,044
−HK$372/mo
Today · 4.125%
HK$14,416
baseline
▲ 0.50% · 4.625%
HK$15,176
+HK$760/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,832/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,753
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,212
−HK$466/mo
Today · 4.125%
HK$15,678
baseline
▲ 0.50% · 4.625%
HK$16,632
+HK$954/mo
Deposit HK$2.16M · loan HK$3.23M · min. income ≈ HK$31,356/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,412
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,853
−HK$446/mo
Today · 4.125%
HK$17,299
baseline
▲ 0.50% · 4.625%
HK$18,211
+HK$912/mo
Deposit HK$2.16M · loan HK$3.23M · min. income ≈ HK$34,598/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,212
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,747
−HK$544/mo
Today · 4.125%
HK$18,291
baseline
▲ 0.50% · 4.625%
HK$19,404
+HK$1,113/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$36,582/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,148
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,661
−HK$521/mo
Today · 4.125%
HK$20,182
baseline
▲ 0.50% · 4.625%
HK$21,246
+HK$1,064/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$40,364/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,129
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,818
−HK$699/mo
Today · 4.125%
HK$23,517
baseline
▲ 0.50% · 4.625%
HK$24,948
+HK$1,431/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$47,034/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,619
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,279
−HK$670/mo
Today · 4.125%
HK$25,949
baseline
▲ 0.50% · 4.625%
HK$27,316
+HK$1,367/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$51,898/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,309 · 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).