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$15,439
+HK$885/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$135,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,236
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,644
−HK$415/mo
Today · 4.125%
HK$16,059
baseline
▲ 0.50% · 4.625%
HK$16,905
+HK$846/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$135,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,434
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,945
−HK$520/mo
Today · 4.125%
HK$17,465
baseline
▲ 0.50% · 4.625%
HK$18,527
+HK$1,062/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$135,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,283
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,773
−HK$497/mo
Today · 4.125%
HK$19,270
baseline
▲ 0.50% · 4.625%
HK$20,286
+HK$1,016/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,540/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,173
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,769
−HK$606/mo
Today · 4.125%
HK$20,375
baseline
▲ 0.50% · 4.625%
HK$21,615
+HK$1,240/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,750/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,330
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,902
−HK$580/mo
Today · 4.125%
HK$22,482
baseline
▲ 0.50% · 4.625%
HK$23,667
+HK$1,185/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,964/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,651
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,418
−HK$779/mo
Today · 4.125%
HK$26,197
baseline
▲ 0.50% · 4.625%
HK$27,791
+HK$1,594/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$52,394/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,424
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,160
−HK$746/mo
Today · 4.125%
HK$28,906
baseline
▲ 0.50% · 4.625%
HK$30,429
+HK$1,523/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$57,812/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,593 · 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).