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$13,660
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,085
−HK$431/mo
Today · 4.125%
HK$14,516
baseline
▲ 0.50% · 4.625%
HK$15,399
+HK$883/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,032/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,196
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,604
−HK$413/mo
Today · 4.125%
HK$16,017
baseline
▲ 0.50% · 4.625%
HK$16,861
+HK$844/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,034/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,392
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,901
−HK$518/mo
Today · 4.125%
HK$17,419
baseline
▲ 0.50% · 4.625%
HK$18,479
+HK$1,060/mo
Deposit HK$2.40M · loan HK$3.59M · min. income ≈ HK$34,838/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,235
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,724
−HK$497/mo
Today · 4.125%
HK$19,221
baseline
▲ 0.50% · 4.625%
HK$20,234
+HK$1,013/mo
Deposit HK$2.40M · loan HK$3.59M · min. income ≈ HK$38,442/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,123
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,718
−HK$605/mo
Today · 4.125%
HK$20,323
baseline
▲ 0.50% · 4.625%
HK$21,559
+HK$1,236/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$40,646/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,275
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,845
−HK$579/mo
Today · 4.125%
HK$22,424
baseline
▲ 0.50% · 4.625%
HK$23,606
+HK$1,182/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$44,848/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,587
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,352
−HK$777/mo
Today · 4.125%
HK$26,129
baseline
▲ 0.50% · 4.625%
HK$27,719
+HK$1,590/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$52,258/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,353
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,087
−HK$744/mo
Today · 4.125%
HK$28,831
baseline
▲ 0.50% · 4.625%
HK$30,351
+HK$1,520/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$57,662/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,784 · 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).