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$15,407
+HK$884/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$134,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,203
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,611
−HK$414/mo
Today · 4.125%
HK$16,025
baseline
▲ 0.50% · 4.625%
HK$16,870
+HK$845/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,050/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,399
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,909
−HK$519/mo
Today · 4.125%
HK$17,428
baseline
▲ 0.50% · 4.625%
HK$18,488
+HK$1,060/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,856/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,244
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,733
−HK$497/mo
Today · 4.125%
HK$19,230
baseline
▲ 0.50% · 4.625%
HK$20,243
+HK$1,013/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,460/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,133
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,728
−HK$604/mo
Today · 4.125%
HK$20,332
baseline
▲ 0.50% · 4.625%
HK$21,570
+HK$1,238/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$134,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,285
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,856
−HK$579/mo
Today · 4.125%
HK$22,435
baseline
▲ 0.50% · 4.625%
HK$23,617
+HK$1,182/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,870/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,599
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,364
−HK$778/mo
Today · 4.125%
HK$26,142
baseline
▲ 0.50% · 4.625%
HK$27,732
+HK$1,590/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$52,284/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,366
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,100
−HK$745/mo
Today · 4.125%
HK$28,845
baseline
▲ 0.50% · 4.625%
HK$30,365
+HK$1,520/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$57,690/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,849 · 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).