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$12,331
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,715
−HK$390/mo
Today · 4.125%
HK$13,105
baseline
▲ 0.50% · 4.625%
HK$13,902
+HK$797/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$26,210/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,718
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,086
−HK$374/mo
Today · 4.125%
HK$14,460
baseline
▲ 0.50% · 4.625%
HK$15,222
+HK$762/mo
Deposit HK$2.70M · loan HK$2.70M · min. income ≈ HK$28,920/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,798
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,258
−HK$467/mo
Today · 4.125%
HK$15,725
baseline
▲ 0.50% · 4.625%
HK$16,682
+HK$957/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$31,450/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,462
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,904
−HK$448/mo
Today · 4.125%
HK$17,352
baseline
▲ 0.50% · 4.625%
HK$18,266
+HK$914/mo
Deposit HK$2.16M · loan HK$3.24M · min. income ≈ HK$34,704/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,264
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,801
−HK$545/mo
Today · 4.125%
HK$18,346
baseline
▲ 0.50% · 4.625%
HK$19,463
+HK$1,117/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$36,692/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,206
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,721
−HK$522/mo
Today · 4.125%
HK$20,243
baseline
▲ 0.50% · 4.625%
HK$21,311
+HK$1,068/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$40,486/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,196
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,887
−HK$701/mo
Today · 4.125%
HK$23,588
baseline
▲ 0.50% · 4.625%
HK$25,024
+HK$1,436/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$47,176/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,693
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,355
−HK$672/mo
Today · 4.125%
HK$26,027
baseline
▲ 0.50% · 4.625%
HK$27,399
+HK$1,372/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$52,054/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$121,677 · 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).