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$13,665
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,090
−HK$432/mo
Today · 4.125%
HK$14,522
baseline
▲ 0.50% · 4.625%
HK$15,406
+HK$884/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,044/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,202
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,610
−HK$414/mo
Today · 4.125%
HK$16,024
baseline
▲ 0.50% · 4.625%
HK$16,868
+HK$844/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,048/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,398
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,908
−HK$519/mo
Today · 4.125%
HK$17,427
baseline
▲ 0.50% · 4.625%
HK$18,487
+HK$1,060/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,854/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,243
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,732
−HK$496/mo
Today · 4.125%
HK$19,228
baseline
▲ 0.50% · 4.625%
HK$20,242
+HK$1,014/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,456/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,131
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,726
−HK$605/mo
Today · 4.125%
HK$20,331
baseline
▲ 0.50% · 4.625%
HK$21,568
+HK$1,237/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$40,662/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,283
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,854
−HK$579/mo
Today · 4.125%
HK$22,433
baseline
▲ 0.50% · 4.625%
HK$23,616
+HK$1,183/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$44,866/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,597
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,362
−HK$778/mo
Today · 4.125%
HK$26,140
baseline
▲ 0.50% · 4.625%
HK$27,730
+HK$1,590/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$52,280/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,364
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,098
−HK$745/mo
Today · 4.125%
HK$28,843
baseline
▲ 0.50% · 4.625%
HK$30,363
+HK$1,520/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$57,686/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,839 · 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).