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$13,697
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,123
−HK$433/mo
Today · 4.125%
HK$14,556
baseline
▲ 0.50% · 4.625%
HK$15,441
+HK$885/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,112/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,238
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,646
−HK$415/mo
Today · 4.125%
HK$16,061
baseline
▲ 0.50% · 4.625%
HK$16,907
+HK$846/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,122/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,436
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,947
−HK$520/mo
Today · 4.125%
HK$17,467
baseline
▲ 0.50% · 4.625%
HK$18,530
+HK$1,063/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,934/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,285
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,775
−HK$498/mo
Today · 4.125%
HK$19,273
baseline
▲ 0.50% · 4.625%
HK$20,289
+HK$1,016/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,546/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,176
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,772
−HK$606/mo
Today · 4.125%
HK$20,378
baseline
▲ 0.50% · 4.625%
HK$21,618
+HK$1,240/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,756/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,333
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,905
−HK$580/mo
Today · 4.125%
HK$22,485
baseline
▲ 0.50% · 4.625%
HK$23,670
+HK$1,185/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,970/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,654
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,421
−HK$779/mo
Today · 4.125%
HK$26,200
baseline
▲ 0.50% · 4.625%
HK$27,795
+HK$1,595/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$52,400/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,428
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,163
−HK$746/mo
Today · 4.125%
HK$28,909
baseline
▲ 0.50% · 4.625%
HK$30,433
+HK$1,524/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$57,818/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,671 · 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).