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$13,662
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,087
−HK$431/mo
Today · 4.125%
HK$14,518
baseline
▲ 0.50% · 4.625%
HK$15,402
+HK$884/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,036/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,198
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,606
−HK$414/mo
Today · 4.125%
HK$16,020
baseline
▲ 0.50% · 4.625%
HK$16,864
+HK$844/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,040/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,394
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,904
−HK$518/mo
Today · 4.125%
HK$17,422
baseline
▲ 0.50% · 4.625%
HK$18,482
+HK$1,060/mo
Deposit HK$2.40M · loan HK$3.59M · min. income ≈ HK$34,844/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,238
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,727
−HK$497/mo
Today · 4.125%
HK$19,224
baseline
▲ 0.50% · 4.625%
HK$20,237
+HK$1,013/mo
Deposit HK$2.40M · loan HK$3.59M · min. income ≈ HK$38,448/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,126
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,721
−HK$605/mo
Today · 4.125%
HK$20,326
baseline
▲ 0.50% · 4.625%
HK$21,563
+HK$1,237/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$40,652/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,278
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,849
−HK$578/mo
Today · 4.125%
HK$22,427
baseline
▲ 0.50% · 4.625%
HK$23,610
+HK$1,183/mo
Deposit HK$1.80M · loan HK$4.19M · min. income ≈ HK$44,854/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,591
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,356
−HK$777/mo
Today · 4.125%
HK$26,133
baseline
▲ 0.50% · 4.625%
HK$27,723
+HK$1,590/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$52,266/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,357
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,091
−HK$744/mo
Today · 4.125%
HK$28,835
baseline
▲ 0.50% · 4.625%
HK$30,355
+HK$1,520/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$57,670/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,805 · 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).