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$13,701
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,127
−HK$433/mo
Today · 4.125%
HK$14,560
baseline
▲ 0.50% · 4.625%
HK$15,446
+HK$886/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,120/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,242
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,651
−HK$415/mo
Today · 4.125%
HK$16,066
baseline
▲ 0.50% · 4.625%
HK$16,912
+HK$846/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,132/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,441
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,953
−HK$519/mo
Today · 4.125%
HK$17,472
baseline
▲ 0.50% · 4.625%
HK$18,535
+HK$1,063/mo
Deposit HK$2.40M · loan HK$3.61M · min. income ≈ HK$34,944/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,291
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,781
−HK$498/mo
Today · 4.125%
HK$19,279
baseline
▲ 0.50% · 4.625%
HK$20,295
+HK$1,016/mo
Deposit HK$2.40M · loan HK$3.61M · min. income ≈ HK$38,558/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,181
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,778
−HK$606/mo
Today · 4.125%
HK$20,384
baseline
▲ 0.50% · 4.625%
HK$21,624
+HK$1,240/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$40,768/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,339
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,911
−HK$581/mo
Today · 4.125%
HK$22,492
baseline
▲ 0.50% · 4.625%
HK$23,677
+HK$1,185/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$44,984/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,662
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,429
−HK$779/mo
Today · 4.125%
HK$26,208
baseline
▲ 0.50% · 4.625%
HK$27,803
+HK$1,595/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$52,416/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$135,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,436
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,172
−HK$746/mo
Today · 4.125%
HK$28,918
baseline
▲ 0.50% · 4.625%
HK$30,442
+HK$1,524/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$57,836/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$135,850 · 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).