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$15,439
+HK$886/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$135,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,235
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,643
−HK$415/mo
Today · 4.125%
HK$16,058
baseline
▲ 0.50% · 4.625%
HK$16,904
+HK$846/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,116/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,433
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,944
−HK$520/mo
Today · 4.125%
HK$17,464
baseline
▲ 0.50% · 4.625%
HK$18,526
+HK$1,062/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,928/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,282
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,772
−HK$497/mo
Today · 4.125%
HK$19,269
baseline
▲ 0.50% · 4.625%
HK$20,285
+HK$1,016/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$135,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,172
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,768
−HK$606/mo
Today · 4.125%
HK$20,374
baseline
▲ 0.50% · 4.625%
HK$21,614
+HK$1,240/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$135,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,329
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,901
−HK$580/mo
Today · 4.125%
HK$22,481
baseline
▲ 0.50% · 4.625%
HK$23,666
+HK$1,185/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,962/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,650
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,416
−HK$780/mo
Today · 4.125%
HK$26,196
baseline
▲ 0.50% · 4.625%
HK$27,789
+HK$1,593/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$52,392/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,423
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,158
−HK$746/mo
Today · 4.125%
HK$28,904
baseline
▲ 0.50% · 4.625%
HK$30,428
+HK$1,524/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$57,808/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,560 · 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).