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$13,666
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,091
−HK$432/mo
Today · 4.125%
HK$14,523
baseline
▲ 0.50% · 4.625%
HK$15,406
+HK$883/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,046/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,203
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,611
−HK$413/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$134,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,399
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,909
−HK$518/mo
Today · 4.125%
HK$17,427
baseline
▲ 0.50% · 4.625%
HK$18,488
+HK$1,061/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$134,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,244
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,733
−HK$496/mo
Today · 4.125%
HK$19,229
baseline
▲ 0.50% · 4.625%
HK$20,243
+HK$1,014/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$134,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,132
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,727
−HK$605/mo
Today · 4.125%
HK$20,332
baseline
▲ 0.50% · 4.625%
HK$21,569
+HK$1,237/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,664/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,284
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,855
−HK$579/mo
Today · 4.125%
HK$22,434
baseline
▲ 0.50% · 4.625%
HK$23,617
+HK$1,183/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,868/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,598
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,364
−HK$777/mo
Today · 4.125%
HK$26,141
baseline
▲ 0.50% · 4.625%
HK$27,732
+HK$1,591/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$52,282/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,366
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,100
−HK$744/mo
Today · 4.125%
HK$28,844
baseline
▲ 0.50% · 4.625%
HK$30,364
+HK$1,520/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$57,688/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,845 · 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).