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$13,678
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,103
−HK$432/mo
Today · 4.125%
HK$14,535
baseline
▲ 0.50% · 4.625%
HK$15,420
+HK$885/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,070/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,216
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,624
−HK$414/mo
Today · 4.125%
HK$16,038
baseline
▲ 0.50% · 4.625%
HK$16,884
+HK$846/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,076/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,413
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,924
−HK$519/mo
Today · 4.125%
HK$17,443
baseline
▲ 0.50% · 4.625%
HK$18,504
+HK$1,061/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,886/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,260
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,749
−HK$497/mo
Today · 4.125%
HK$19,246
baseline
▲ 0.50% · 4.625%
HK$20,261
+HK$1,015/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,492/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,149
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,744
−HK$606/mo
Today · 4.125%
HK$20,350
baseline
▲ 0.50% · 4.625%
HK$21,588
+HK$1,238/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,700/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,303
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,874
−HK$580/mo
Today · 4.125%
HK$22,454
baseline
▲ 0.50% · 4.625%
HK$23,637
+HK$1,183/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,908/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,620
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,386
−HK$778/mo
Today · 4.125%
HK$26,164
baseline
▲ 0.50% · 4.625%
HK$27,756
+HK$1,592/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$52,328/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$134,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,389
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,124
−HK$745/mo
Today · 4.125%
HK$28,869
baseline
▲ 0.50% · 4.625%
HK$30,391
+HK$1,522/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$57,738/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$134,963 · 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).