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$859/mo
▼ 0.25% · 3.875%
HK$14,120
−HK$433/mo
Today · 4.125%
HK$14,553
baseline
▲ 0.50% · 4.625%
HK$15,438
+HK$885/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,106/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,540 · 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$16,904
+HK$847/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$135,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,433
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,944
−HK$519/mo
Today · 4.125%
HK$17,463
baseline
▲ 0.50% · 4.625%
HK$18,526
+HK$1,063/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$135,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,281
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,771
−HK$498/mo
Today · 4.125%
HK$19,269
baseline
▲ 0.50% · 4.625%
HK$20,284
+HK$1,015/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,538/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,171
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,768
−HK$606/mo
Today · 4.125%
HK$20,374
baseline
▲ 0.50% · 4.625%
HK$21,613
+HK$1,239/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,748/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,540 · 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$135,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,649
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,416
−HK$779/mo
Today · 4.125%
HK$26,195
baseline
▲ 0.50% · 4.625%
HK$27,788
+HK$1,593/mo
Deposit HK$601K · loan HK$5.40M · min. income ≈ HK$52,390/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,422
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,157
−HK$746/mo
Today · 4.125%
HK$28,903
baseline
▲ 0.50% · 4.625%
HK$30,427
+HK$1,524/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$135,540 · 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).