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$13,676
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,102
−HK$432/mo
Today · 4.125%
HK$14,534
baseline
▲ 0.50% · 4.625%
HK$15,418
+HK$884/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,068/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,215
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,623
−HK$414/mo
Today · 4.125%
HK$16,037
baseline
▲ 0.50% · 4.625%
HK$16,882
+HK$845/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,074/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,412
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,922
−HK$519/mo
Today · 4.125%
HK$17,441
baseline
▲ 0.50% · 4.625%
HK$18,502
+HK$1,061/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,882/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,258
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,747
−HK$497/mo
Today · 4.125%
HK$19,244
baseline
▲ 0.50% · 4.625%
HK$20,258
+HK$1,014/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,488/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,147
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,742
−HK$605/mo
Today · 4.125%
HK$20,347
baseline
▲ 0.50% · 4.625%
HK$21,586
+HK$1,239/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,694/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,301
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,872
−HK$579/mo
Today · 4.125%
HK$22,451
baseline
▲ 0.50% · 4.625%
HK$23,635
+HK$1,184/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,902/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,617
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,383
−HK$778/mo
Today · 4.125%
HK$26,161
baseline
▲ 0.50% · 4.625%
HK$27,753
+HK$1,592/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$52,322/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$134,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,387
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,121
−HK$745/mo
Today · 4.125%
HK$28,866
baseline
▲ 0.50% · 4.625%
HK$30,388
+HK$1,522/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$57,732/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$134,949 · 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).