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$13,696
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,122
−HK$433/mo
Today · 4.125%
HK$14,555
baseline
▲ 0.50% · 4.625%
HK$15,440
+HK$885/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,110/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,236
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,645
−HK$415/mo
Today · 4.125%
HK$16,060
baseline
▲ 0.50% · 4.625%
HK$16,906
+HK$846/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,120/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,435
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,946
−HK$520/mo
Today · 4.125%
HK$17,466
baseline
▲ 0.50% · 4.625%
HK$18,528
+HK$1,062/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,932/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,284
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,774
−HK$498/mo
Today · 4.125%
HK$19,272
baseline
▲ 0.50% · 4.625%
HK$20,287
+HK$1,015/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,544/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,174
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,771
−HK$606/mo
Today · 4.125%
HK$20,377
baseline
▲ 0.50% · 4.625%
HK$21,616
+HK$1,239/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,754/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,331
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,903
−HK$580/mo
Today · 4.125%
HK$22,483
baseline
▲ 0.50% · 4.625%
HK$23,669
+HK$1,186/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,966/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,652
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,419
−HK$779/mo
Today · 4.125%
HK$26,198
baseline
▲ 0.50% · 4.625%
HK$27,792
+HK$1,594/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$52,396/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,426
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,161
−HK$746/mo
Today · 4.125%
HK$28,907
baseline
▲ 0.50% · 4.625%
HK$30,431
+HK$1,524/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$57,814/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,626 · 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).