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$13,662
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,087
−HK$432/mo
Today · 4.125%
HK$14,519
baseline
▲ 0.50% · 4.625%
HK$15,402
+HK$883/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,038/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,199
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,606
−HK$414/mo
Today · 4.125%
HK$16,020
baseline
▲ 0.50% · 4.625%
HK$16,864
+HK$844/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,040/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,394
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,904
−HK$518/mo
Today · 4.125%
HK$17,422
baseline
▲ 0.50% · 4.625%
HK$18,483
+HK$1,061/mo
Deposit HK$2.40M · loan HK$3.59M · min. income ≈ HK$34,844/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,239
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,728
−HK$496/mo
Today · 4.125%
HK$19,224
baseline
▲ 0.50% · 4.625%
HK$20,237
+HK$1,013/mo
Deposit HK$2.40M · loan HK$3.59M · min. income ≈ HK$38,448/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,127
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,722
−HK$604/mo
Today · 4.125%
HK$20,326
baseline
▲ 0.50% · 4.625%
HK$21,563
+HK$1,237/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$40,652/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,278
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,849
−HK$579/mo
Today · 4.125%
HK$22,428
baseline
▲ 0.50% · 4.625%
HK$23,610
+HK$1,182/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$44,856/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,591
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,356
−HK$778/mo
Today · 4.125%
HK$26,134
baseline
▲ 0.50% · 4.625%
HK$27,724
+HK$1,590/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$52,268/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,358
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,092
−HK$744/mo
Today · 4.125%
HK$28,836
baseline
▲ 0.50% · 4.625%
HK$30,356
+HK$1,520/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$57,672/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,807 · 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).