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$13,688
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,113
−HK$433/mo
Today · 4.125%
HK$14,546
baseline
▲ 0.50% · 4.625%
HK$15,431
+HK$885/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,092/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,227
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,636
−HK$414/mo
Today · 4.125%
HK$16,050
baseline
▲ 0.50% · 4.625%
HK$16,896
+HK$846/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,100/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,425
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,936
−HK$519/mo
Today · 4.125%
HK$17,455
baseline
▲ 0.50% · 4.625%
HK$18,517
+HK$1,062/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,910/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,273
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,763
−HK$497/mo
Today · 4.125%
HK$19,260
baseline
▲ 0.50% · 4.625%
HK$20,275
+HK$1,015/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,520/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,163
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,759
−HK$605/mo
Today · 4.125%
HK$20,364
baseline
▲ 0.50% · 4.625%
HK$21,603
+HK$1,239/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,728/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,318
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,890
−HK$580/mo
Today · 4.125%
HK$22,470
baseline
▲ 0.50% · 4.625%
HK$23,654
+HK$1,184/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,940/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,638
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,404
−HK$779/mo
Today · 4.125%
HK$26,183
baseline
▲ 0.50% · 4.625%
HK$27,776
+HK$1,593/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$52,366/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,409
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,144
−HK$746/mo
Today · 4.125%
HK$28,890
baseline
▲ 0.50% · 4.625%
HK$30,413
+HK$1,523/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$57,780/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,264 · 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).