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$13,670
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,095
−HK$432/mo
Today · 4.125%
HK$14,527
baseline
▲ 0.50% · 4.625%
HK$15,411
+HK$884/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,054/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,208
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,616
−HK$413/mo
Today · 4.125%
HK$16,029
baseline
▲ 0.50% · 4.625%
HK$16,874
+HK$845/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,058/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,404
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,914
−HK$519/mo
Today · 4.125%
HK$17,433
baseline
▲ 0.50% · 4.625%
HK$18,493
+HK$1,060/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,866/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,249
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,739
−HK$496/mo
Today · 4.125%
HK$19,235
baseline
▲ 0.50% · 4.625%
HK$20,249
+HK$1,014/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,470/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,138
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,733
−HK$605/mo
Today · 4.125%
HK$20,338
baseline
▲ 0.50% · 4.625%
HK$21,576
+HK$1,238/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,676/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,291
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,862
−HK$579/mo
Today · 4.125%
HK$22,441
baseline
▲ 0.50% · 4.625%
HK$23,624
+HK$1,183/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,882/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,606
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,372
−HK$777/mo
Today · 4.125%
HK$26,149
baseline
▲ 0.50% · 4.625%
HK$27,740
+HK$1,591/mo
Deposit HK$599K · loan HK$5.40M · min. income ≈ HK$52,298/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,374
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,108
−HK$745/mo
Today · 4.125%
HK$28,853
baseline
▲ 0.50% · 4.625%
HK$30,374
+HK$1,521/mo
Deposit HK$599K · loan HK$5.40M · min. income ≈ HK$57,706/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,887 · 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).