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$13,661
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,086
−HK$432/mo
Today · 4.125%
HK$14,518
baseline
▲ 0.50% · 4.625%
HK$15,401
+HK$883/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,036/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,198
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,605
−HK$414/mo
Today · 4.125%
HK$16,019
baseline
▲ 0.50% · 4.625%
HK$16,863
+HK$844/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,038/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,393
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,903
−HK$518/mo
Today · 4.125%
HK$17,421
baseline
▲ 0.50% · 4.625%
HK$18,481
+HK$1,060/mo
Deposit HK$2.40M · loan HK$3.59M · min. income ≈ HK$34,842/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,237
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,726
−HK$496/mo
Today · 4.125%
HK$19,222
baseline
▲ 0.50% · 4.625%
HK$20,236
+HK$1,014/mo
Deposit HK$2.40M · loan HK$3.59M · min. income ≈ HK$38,444/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,125
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,720
−HK$605/mo
Today · 4.125%
HK$20,325
baseline
▲ 0.50% · 4.625%
HK$21,561
+HK$1,236/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$40,650/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,277
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,847
−HK$579/mo
Today · 4.125%
HK$22,426
baseline
▲ 0.50% · 4.625%
HK$23,608
+HK$1,182/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$44,852/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,590
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,354
−HK$778/mo
Today · 4.125%
HK$26,132
baseline
▲ 0.50% · 4.625%
HK$27,722
+HK$1,590/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$52,264/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,356
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,089
−HK$745/mo
Today · 4.125%
HK$28,834
baseline
▲ 0.50% · 4.625%
HK$30,353
+HK$1,519/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$57,668/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,797 · 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).