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$13,685
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,111
−HK$432/mo
Today · 4.125%
HK$14,543
baseline
▲ 0.50% · 4.625%
HK$15,428
+HK$885/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,086/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,224
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,633
−HK$414/mo
Today · 4.125%
HK$16,047
baseline
▲ 0.50% · 4.625%
HK$16,893
+HK$846/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,094/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,422
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,933
−HK$519/mo
Today · 4.125%
HK$17,452
baseline
▲ 0.50% · 4.625%
HK$18,514
+HK$1,062/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,904/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,269
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,759
−HK$497/mo
Today · 4.125%
HK$19,256
baseline
▲ 0.50% · 4.625%
HK$20,271
+HK$1,015/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,512/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,159
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,755
−HK$606/mo
Today · 4.125%
HK$20,361
baseline
▲ 0.50% · 4.625%
HK$21,599
+HK$1,238/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,722/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,314
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,886
−HK$580/mo
Today · 4.125%
HK$22,466
baseline
▲ 0.50% · 4.625%
HK$23,650
+HK$1,184/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,932/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,633
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,399
−HK$779/mo
Today · 4.125%
HK$26,178
baseline
▲ 0.50% · 4.625%
HK$27,771
+HK$1,593/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$52,356/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$135,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,404
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,139
−HK$746/mo
Today · 4.125%
HK$28,885
baseline
▲ 0.50% · 4.625%
HK$30,407
+HK$1,522/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$57,770/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$135,155 · 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).