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$134,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,203
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,610
−HK$414/mo
Today · 4.125%
HK$16,024
baseline
▲ 0.50% · 4.625%
HK$16,869
+HK$845/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$134,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,398
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,909
−HK$518/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$134,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,243
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,732
−HK$497/mo
Today · 4.125%
HK$19,229
baseline
▲ 0.50% · 4.625%
HK$20,242
+HK$1,013/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,458/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,131
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,727
−HK$604/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$4.20M · min. income ≈ HK$40,662/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,284
−HK$1,149/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$4.20M · min. income ≈ HK$44,866/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,598
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,363
−HK$777/mo
Today · 4.125%
HK$26,140
baseline
▲ 0.50% · 4.625%
HK$27,731
+HK$1,591/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$134,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,365
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,099
−HK$744/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$134,841 · 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).