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$13,694
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,120
−HK$432/mo
Today · 4.125%
HK$14,552
baseline
▲ 0.50% · 4.625%
HK$15,438
+HK$886/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,104/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,234
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,643
−HK$414/mo
Today · 4.125%
HK$16,057
baseline
▲ 0.50% · 4.625%
HK$16,903
+HK$846/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,114/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,432
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,943
−HK$520/mo
Today · 4.125%
HK$17,463
baseline
▲ 0.50% · 4.625%
HK$18,525
+HK$1,062/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,926/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,281
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,771
−HK$497/mo
Today · 4.125%
HK$19,268
baseline
▲ 0.50% · 4.625%
HK$20,284
+HK$1,016/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,536/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,171
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,767
−HK$606/mo
Today · 4.125%
HK$20,373
baseline
▲ 0.50% · 4.625%
HK$21,613
+HK$1,240/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,746/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,328
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,900
−HK$580/mo
Today · 4.125%
HK$22,480
baseline
▲ 0.50% · 4.625%
HK$23,665
+HK$1,185/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,960/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,648
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,415
−HK$779/mo
Today · 4.125%
HK$26,194
baseline
▲ 0.50% · 4.625%
HK$27,788
+HK$1,594/mo
Deposit HK$601K · loan HK$5.40M · min. income ≈ HK$52,388/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,421
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,157
−HK$746/mo
Today · 4.125%
HK$28,903
baseline
▲ 0.50% · 4.625%
HK$30,426
+HK$1,523/mo
Deposit HK$601K · loan HK$5.40M · min. income ≈ HK$57,806/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,530 · 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).