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$13,700
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,126
−HK$433/mo
Today · 4.125%
HK$14,559
baseline
▲ 0.50% · 4.625%
HK$15,445
+HK$886/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,118/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,241
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,650
−HK$414/mo
Today · 4.125%
HK$16,064
baseline
▲ 0.50% · 4.625%
HK$16,911
+HK$847/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,128/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,440
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,951
−HK$520/mo
Today · 4.125%
HK$17,471
baseline
▲ 0.50% · 4.625%
HK$18,534
+HK$1,063/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,942/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,289
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,780
−HK$497/mo
Today · 4.125%
HK$19,277
baseline
▲ 0.50% · 4.625%
HK$20,293
+HK$1,016/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,554/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,180
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,777
−HK$606/mo
Today · 4.125%
HK$20,383
baseline
▲ 0.50% · 4.625%
HK$21,623
+HK$1,240/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$40,766/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,337
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,910
−HK$580/mo
Today · 4.125%
HK$22,490
baseline
▲ 0.50% · 4.625%
HK$23,676
+HK$1,186/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$44,980/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,660
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,427
−HK$779/mo
Today · 4.125%
HK$26,206
baseline
▲ 0.50% · 4.625%
HK$27,801
+HK$1,595/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$52,412/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$135,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,434
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,170
−HK$746/mo
Today · 4.125%
HK$28,916
baseline
▲ 0.50% · 4.625%
HK$30,440
+HK$1,524/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$57,832/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$135,807 · 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).