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$13,669
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,094
−HK$432/mo
Today · 4.125%
HK$14,526
baseline
▲ 0.50% · 4.625%
HK$15,410
+HK$884/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,052/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,207
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,614
−HK$414/mo
Today · 4.125%
HK$16,028
baseline
▲ 0.50% · 4.625%
HK$16,873
+HK$845/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,056/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,403
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,913
−HK$518/mo
Today · 4.125%
HK$17,431
baseline
▲ 0.50% · 4.625%
HK$18,492
+HK$1,061/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,862/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,248
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,737
−HK$497/mo
Today · 4.125%
HK$19,234
baseline
▲ 0.50% · 4.625%
HK$20,248
+HK$1,014/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,468/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,137
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,732
−HK$605/mo
Today · 4.125%
HK$20,337
baseline
▲ 0.50% · 4.625%
HK$21,574
+HK$1,237/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,674/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,289
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,860
−HK$579/mo
Today · 4.125%
HK$22,439
baseline
▲ 0.50% · 4.625%
HK$23,622
+HK$1,183/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,878/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,604
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,370
−HK$777/mo
Today · 4.125%
HK$26,147
baseline
▲ 0.50% · 4.625%
HK$27,738
+HK$1,591/mo
Deposit HK$599K · loan HK$5.40M · min. income ≈ HK$52,294/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,372
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,106
−HK$745/mo
Today · 4.125%
HK$28,851
baseline
▲ 0.50% · 4.625%
HK$30,371
+HK$1,520/mo
Deposit HK$599K · loan HK$5.40M · min. income ≈ HK$57,702/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,877 · 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).