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$13,699
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,126
−HK$432/mo
Today · 4.125%
HK$14,558
baseline
▲ 0.50% · 4.625%
HK$15,444
+HK$886/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,116/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,240
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,649
−HK$415/mo
Today · 4.125%
HK$16,064
baseline
▲ 0.50% · 4.625%
HK$16,911
+HK$847/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,128/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,439
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,951
−HK$519/mo
Today · 4.125%
HK$17,470
baseline
▲ 0.50% · 4.625%
HK$18,533
+HK$1,063/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,940/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,289
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,779
−HK$498/mo
Today · 4.125%
HK$19,277
baseline
▲ 0.50% · 4.625%
HK$20,293
+HK$1,016/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,554/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,179
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,776
−HK$606/mo
Today · 4.125%
HK$20,382
baseline
▲ 0.50% · 4.625%
HK$21,622
+HK$1,240/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$40,764/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,337
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,909
−HK$580/mo
Today · 4.125%
HK$22,489
baseline
▲ 0.50% · 4.625%
HK$23,675
+HK$1,186/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$44,978/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,659
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,426
−HK$779/mo
Today · 4.125%
HK$26,205
baseline
▲ 0.50% · 4.625%
HK$27,800
+HK$1,595/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$52,410/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$135,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,433
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,169
−HK$746/mo
Today · 4.125%
HK$28,915
baseline
▲ 0.50% · 4.625%
HK$30,439
+HK$1,524/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$57,830/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$135,785 · 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).