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$13,704
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,130
−HK$433/mo
Today · 4.125%
HK$14,563
baseline
▲ 0.50% · 4.625%
HK$15,449
+HK$886/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,126/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,245
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,654
−HK$415/mo
Today · 4.125%
HK$16,069
baseline
▲ 0.50% · 4.625%
HK$16,916
+HK$847/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,138/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,445
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,956
−HK$520/mo
Today · 4.125%
HK$17,476
baseline
▲ 0.50% · 4.625%
HK$18,539
+HK$1,063/mo
Deposit HK$2.40M · loan HK$3.61M · min. income ≈ HK$34,952/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,294
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,785
−HK$498/mo
Today · 4.125%
HK$19,283
baseline
▲ 0.50% · 4.625%
HK$20,299
+HK$1,016/mo
Deposit HK$2.40M · loan HK$3.61M · min. income ≈ HK$38,566/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,185
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,782
−HK$606/mo
Today · 4.125%
HK$20,388
baseline
▲ 0.50% · 4.625%
HK$21,629
+HK$1,241/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$40,776/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,344
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,916
−HK$581/mo
Today · 4.125%
HK$22,497
baseline
▲ 0.50% · 4.625%
HK$23,682
+HK$1,185/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$44,994/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,667
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,434
−HK$780/mo
Today · 4.125%
HK$26,214
baseline
▲ 0.50% · 4.625%
HK$27,809
+HK$1,595/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$52,428/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$135,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,442
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,178
−HK$746/mo
Today · 4.125%
HK$28,924
baseline
▲ 0.50% · 4.625%
HK$30,449
+HK$1,525/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$57,848/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$135,978 · 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).