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$14,125
−HK$433/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$135,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,240
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,649
−HK$414/mo
Today · 4.125%
HK$16,063
baseline
▲ 0.50% · 4.625%
HK$16,910
+HK$847/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,126/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,439
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,950
−HK$520/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$135,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,288
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,778
−HK$498/mo
Today · 4.125%
HK$19,276
baseline
▲ 0.50% · 4.625%
HK$20,292
+HK$1,016/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,552/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,179
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,775
−HK$606/mo
Today · 4.125%
HK$20,381
baseline
▲ 0.50% · 4.625%
HK$21,621
+HK$1,240/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$40,762/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,336
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,908
−HK$581/mo
Today · 4.125%
HK$22,489
baseline
▲ 0.50% · 4.625%
HK$23,674
+HK$1,185/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$135,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,658
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,425
−HK$779/mo
Today · 4.125%
HK$26,204
baseline
▲ 0.50% · 4.625%
HK$27,799
+HK$1,595/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$52,408/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$135,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,432
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,168
−HK$746/mo
Today · 4.125%
HK$28,914
baseline
▲ 0.50% · 4.625%
HK$30,438
+HK$1,524/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$57,828/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$135,766 · 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).