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$13,667
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,092
−HK$432/mo
Today · 4.125%
HK$14,524
baseline
▲ 0.50% · 4.625%
HK$15,408
+HK$884/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,048/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,205
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,612
−HK$414/mo
Today · 4.125%
HK$16,026
baseline
▲ 0.50% · 4.625%
HK$16,871
+HK$845/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,052/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,401
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,911
−HK$518/mo
Today · 4.125%
HK$17,429
baseline
▲ 0.50% · 4.625%
HK$18,490
+HK$1,061/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,858/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,246
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,735
−HK$496/mo
Today · 4.125%
HK$19,231
baseline
▲ 0.50% · 4.625%
HK$20,245
+HK$1,014/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,462/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,134
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,729
−HK$605/mo
Today · 4.125%
HK$20,334
baseline
▲ 0.50% · 4.625%
HK$21,571
+HK$1,237/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,668/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,287
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,857
−HK$580/mo
Today · 4.125%
HK$22,437
baseline
▲ 0.50% · 4.625%
HK$23,619
+HK$1,182/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,874/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,601
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,366
−HK$778/mo
Today · 4.125%
HK$26,144
baseline
▲ 0.50% · 4.625%
HK$27,735
+HK$1,591/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$52,288/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,368
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,102
−HK$745/mo
Today · 4.125%
HK$28,847
baseline
▲ 0.50% · 4.625%
HK$30,368
+HK$1,521/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$57,694/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,860 · 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).