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$13,695
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,121
−HK$433/mo
Today · 4.125%
HK$14,554
baseline
▲ 0.50% · 4.625%
HK$15,440
+HK$886/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,108/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,236
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,645
−HK$414/mo
Today · 4.125%
HK$16,059
baseline
▲ 0.50% · 4.625%
HK$16,906
+HK$847/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,118/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,435
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,946
−HK$519/mo
Today · 4.125%
HK$17,465
baseline
▲ 0.50% · 4.625%
HK$18,528
+HK$1,063/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,930/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,283
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,774
−HK$497/mo
Today · 4.125%
HK$19,271
baseline
▲ 0.50% · 4.625%
HK$20,287
+HK$1,016/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,542/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,174
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,770
−HK$606/mo
Today · 4.125%
HK$20,376
baseline
▲ 0.50% · 4.625%
HK$21,616
+HK$1,240/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,752/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,330
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,903
−HK$580/mo
Today · 4.125%
HK$22,483
baseline
▲ 0.50% · 4.625%
HK$23,668
+HK$1,185/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,966/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,652
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,419
−HK$779/mo
Today · 4.125%
HK$26,198
baseline
▲ 0.50% · 4.625%
HK$27,792
+HK$1,594/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$52,396/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,425
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,160
−HK$747/mo
Today · 4.125%
HK$28,907
baseline
▲ 0.50% · 4.625%
HK$30,430
+HK$1,523/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$57,814/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,610 · 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).