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$13,693
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,119
−HK$433/mo
Today · 4.125%
HK$14,552
baseline
▲ 0.50% · 4.625%
HK$15,437
+HK$885/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,104/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,234
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,642
−HK$415/mo
Today · 4.125%
HK$16,057
baseline
▲ 0.50% · 4.625%
HK$16,903
+HK$846/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,114/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,432
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,943
−HK$519/mo
Today · 4.125%
HK$17,462
baseline
▲ 0.50% · 4.625%
HK$18,525
+HK$1,063/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,924/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,280
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,771
−HK$497/mo
Today · 4.125%
HK$19,268
baseline
▲ 0.50% · 4.625%
HK$20,284
+HK$1,016/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,536/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,171
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,767
−HK$606/mo
Today · 4.125%
HK$20,373
baseline
▲ 0.50% · 4.625%
HK$21,612
+HK$1,239/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,746/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,327
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,899
−HK$580/mo
Today · 4.125%
HK$22,479
baseline
▲ 0.50% · 4.625%
HK$23,664
+HK$1,185/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,958/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,648
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,415
−HK$779/mo
Today · 4.125%
HK$26,194
baseline
▲ 0.50% · 4.625%
HK$27,787
+HK$1,593/mo
Deposit HK$601K · loan HK$5.40M · min. income ≈ HK$52,388/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,421
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,156
−HK$746/mo
Today · 4.125%
HK$28,902
baseline
▲ 0.50% · 4.625%
HK$30,426
+HK$1,524/mo
Deposit HK$601K · loan HK$5.40M · min. income ≈ HK$57,804/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,517 · 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).