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$13,696
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,122
−HK$433/mo
Today · 4.125%
HK$14,555
baseline
▲ 0.50% · 4.625%
HK$15,441
+HK$886/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,110/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,237
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,646
−HK$414/mo
Today · 4.125%
HK$16,060
baseline
▲ 0.50% · 4.625%
HK$16,907
+HK$847/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,120/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,435
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,947
−HK$519/mo
Today · 4.125%
HK$17,466
baseline
▲ 0.50% · 4.625%
HK$18,529
+HK$1,063/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,932/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,284
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,775
−HK$497/mo
Today · 4.125%
HK$19,272
baseline
▲ 0.50% · 4.625%
HK$20,288
+HK$1,016/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,544/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,175
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,771
−HK$606/mo
Today · 4.125%
HK$20,377
baseline
▲ 0.50% · 4.625%
HK$21,617
+HK$1,240/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,754/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,332
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,904
−HK$580/mo
Today · 4.125%
HK$22,484
baseline
▲ 0.50% · 4.625%
HK$23,669
+HK$1,185/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,968/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,653
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,420
−HK$779/mo
Today · 4.125%
HK$26,199
baseline
▲ 0.50% · 4.625%
HK$27,793
+HK$1,594/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$52,398/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,426
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,162
−HK$746/mo
Today · 4.125%
HK$28,908
baseline
▲ 0.50% · 4.625%
HK$30,432
+HK$1,524/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$57,816/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,645 · 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).