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$13,663
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,088
−HK$432/mo
Today · 4.125%
HK$14,520
baseline
▲ 0.50% · 4.625%
HK$15,403
+HK$883/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,040/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,200
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,607
−HK$414/mo
Today · 4.125%
HK$16,021
baseline
▲ 0.50% · 4.625%
HK$16,865
+HK$844/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,042/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,395
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,905
−HK$519/mo
Today · 4.125%
HK$17,424
baseline
▲ 0.50% · 4.625%
HK$18,484
+HK$1,060/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,848/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,240
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,729
−HK$496/mo
Today · 4.125%
HK$19,225
baseline
▲ 0.50% · 4.625%
HK$20,239
+HK$1,014/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,450/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,128
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,723
−HK$604/mo
Today · 4.125%
HK$20,327
baseline
▲ 0.50% · 4.625%
HK$21,564
+HK$1,237/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$40,654/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,280
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,850
−HK$579/mo
Today · 4.125%
HK$22,429
baseline
▲ 0.50% · 4.625%
HK$23,612
+HK$1,183/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$44,858/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,593
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,358
−HK$777/mo
Today · 4.125%
HK$26,135
baseline
▲ 0.50% · 4.625%
HK$27,726
+HK$1,591/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$52,270/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,360
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,093
−HK$745/mo
Today · 4.125%
HK$28,838
baseline
▲ 0.50% · 4.625%
HK$30,358
+HK$1,520/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$57,676/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,816 · 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).