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$13,673
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,099
−HK$432/mo
Today · 4.125%
HK$14,531
baseline
▲ 0.50% · 4.625%
HK$15,415
+HK$884/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,062/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,211
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,619
−HK$414/mo
Today · 4.125%
HK$16,033
baseline
▲ 0.50% · 4.625%
HK$16,878
+HK$845/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,066/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,408
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,918
−HK$519/mo
Today · 4.125%
HK$17,437
baseline
▲ 0.50% · 4.625%
HK$18,498
+HK$1,061/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,874/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,254
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,743
−HK$497/mo
Today · 4.125%
HK$19,240
baseline
▲ 0.50% · 4.625%
HK$20,254
+HK$1,014/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,480/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,142
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,738
−HK$605/mo
Today · 4.125%
HK$20,343
baseline
▲ 0.50% · 4.625%
HK$21,581
+HK$1,238/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,686/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,296
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,867
−HK$579/mo
Today · 4.125%
HK$22,446
baseline
▲ 0.50% · 4.625%
HK$23,630
+HK$1,184/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,892/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,612
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,377
−HK$778/mo
Today · 4.125%
HK$26,155
baseline
▲ 0.50% · 4.625%
HK$27,747
+HK$1,592/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$52,310/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$134,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,380
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,115
−HK$745/mo
Today · 4.125%
HK$28,860
baseline
▲ 0.50% · 4.625%
HK$30,381
+HK$1,521/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$57,720/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$134,918 · 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).