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$13,660
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,085
−HK$431/mo
Today · 4.125%
HK$14,516
baseline
▲ 0.50% · 4.625%
HK$15,400
+HK$884/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,032/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,196
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,604
−HK$413/mo
Today · 4.125%
HK$16,017
baseline
▲ 0.50% · 4.625%
HK$16,862
+HK$845/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,034/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,392
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,902
−HK$518/mo
Today · 4.125%
HK$17,420
baseline
▲ 0.50% · 4.625%
HK$18,480
+HK$1,060/mo
Deposit HK$2.40M · loan HK$3.59M · min. income ≈ HK$34,840/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,236
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,725
−HK$496/mo
Today · 4.125%
HK$19,221
baseline
▲ 0.50% · 4.625%
HK$20,234
+HK$1,013/mo
Deposit HK$2.40M · loan HK$3.59M · min. income ≈ HK$38,442/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,124
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,719
−HK$604/mo
Today · 4.125%
HK$20,323
baseline
▲ 0.50% · 4.625%
HK$21,560
+HK$1,237/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$40,646/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,275
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,846
−HK$578/mo
Today · 4.125%
HK$22,424
baseline
▲ 0.50% · 4.625%
HK$23,607
+HK$1,183/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$44,848/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,588
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,353
−HK$777/mo
Today · 4.125%
HK$26,130
baseline
▲ 0.50% · 4.625%
HK$27,720
+HK$1,590/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$52,260/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,354
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,087
−HK$744/mo
Today · 4.125%
HK$28,831
baseline
▲ 0.50% · 4.625%
HK$30,351
+HK$1,520/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$57,662/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,787 · 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).