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$13,698
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,124
−HK$433/mo
Today · 4.125%
HK$14,557
baseline
▲ 0.50% · 4.625%
HK$15,443
+HK$886/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,114/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,239
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,648
−HK$414/mo
Today · 4.125%
HK$16,062
baseline
▲ 0.50% · 4.625%
HK$16,909
+HK$847/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,124/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,438
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,949
−HK$519/mo
Today · 4.125%
HK$17,468
baseline
▲ 0.50% · 4.625%
HK$18,531
+HK$1,063/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,936/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,287
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,777
−HK$498/mo
Today · 4.125%
HK$19,275
baseline
▲ 0.50% · 4.625%
HK$20,291
+HK$1,016/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,550/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,177
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,774
−HK$606/mo
Today · 4.125%
HK$20,380
baseline
▲ 0.50% · 4.625%
HK$21,620
+HK$1,240/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$40,760/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,335
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,907
−HK$580/mo
Today · 4.125%
HK$22,487
baseline
▲ 0.50% · 4.625%
HK$23,673
+HK$1,186/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$44,974/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,657
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,423
−HK$780/mo
Today · 4.125%
HK$26,203
baseline
▲ 0.50% · 4.625%
HK$27,797
+HK$1,594/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$52,406/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,430
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,166
−HK$746/mo
Today · 4.125%
HK$28,912
baseline
▲ 0.50% · 4.625%
HK$30,436
+HK$1,524/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$57,824/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,725 · 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).