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$13,668
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,093
−HK$432/mo
Today · 4.125%
HK$14,525
baseline
▲ 0.50% · 4.625%
HK$15,409
+HK$884/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,050/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,205
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,613
−HK$414/mo
Today · 4.125%
HK$16,027
baseline
▲ 0.50% · 4.625%
HK$16,872
+HK$845/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,054/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,401
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,912
−HK$518/mo
Today · 4.125%
HK$17,430
baseline
▲ 0.50% · 4.625%
HK$18,490
+HK$1,060/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,860/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,246
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,736
−HK$496/mo
Today · 4.125%
HK$19,232
baseline
▲ 0.50% · 4.625%
HK$20,246
+HK$1,014/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,464/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,135
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,730
−HK$605/mo
Today · 4.125%
HK$20,335
baseline
▲ 0.50% · 4.625%
HK$21,572
+HK$1,237/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,670/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,287
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,858
−HK$580/mo
Today · 4.125%
HK$22,438
baseline
▲ 0.50% · 4.625%
HK$23,620
+HK$1,182/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,876/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,602
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,367
−HK$778/mo
Today · 4.125%
HK$26,145
baseline
▲ 0.50% · 4.625%
HK$27,736
+HK$1,591/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$52,290/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,370
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,104
−HK$744/mo
Today · 4.125%
HK$28,848
baseline
▲ 0.50% · 4.625%
HK$30,369
+HK$1,521/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$57,696/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,865 · 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).