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$14,089
−HK$431/mo
Today · 4.125%
HK$14,520
baseline
▲ 0.50% · 4.625%
HK$15,404
+HK$884/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$134,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,200
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,608
−HK$414/mo
Today · 4.125%
HK$16,022
baseline
▲ 0.50% · 4.625%
HK$16,866
+HK$844/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,044/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,396
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,906
−HK$518/mo
Today · 4.125%
HK$17,424
baseline
▲ 0.50% · 4.625%
HK$18,485
+HK$1,061/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$134,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,241
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,730
−HK$496/mo
Today · 4.125%
HK$19,226
baseline
▲ 0.50% · 4.625%
HK$20,240
+HK$1,014/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,452/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,129
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,724
−HK$604/mo
Today · 4.125%
HK$20,328
baseline
▲ 0.50% · 4.625%
HK$21,565
+HK$1,237/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$40,656/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,281
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,851
−HK$579/mo
Today · 4.125%
HK$22,430
baseline
▲ 0.50% · 4.625%
HK$23,613
+HK$1,183/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$44,860/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,594
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,359
−HK$778/mo
Today · 4.125%
HK$26,137
baseline
▲ 0.50% · 4.625%
HK$27,727
+HK$1,590/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$52,274/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,361
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,095
−HK$744/mo
Today · 4.125%
HK$28,839
baseline
▲ 0.50% · 4.625%
HK$30,359
+HK$1,520/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$57,678/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,822 · 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).