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$13,677
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,102
−HK$432/mo
Today · 4.125%
HK$14,534
baseline
▲ 0.50% · 4.625%
HK$15,419
+HK$885/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$134,952 · 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$134,952 · 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$134,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,258
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,748
−HK$496/mo
Today · 4.125%
HK$19,244
baseline
▲ 0.50% · 4.625%
HK$20,259
+HK$1,015/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$134,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,147
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,743
−HK$605/mo
Today · 4.125%
HK$20,348
baseline
▲ 0.50% · 4.625%
HK$21,586
+HK$1,238/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,696/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,301
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,872
−HK$580/mo
Today · 4.125%
HK$22,452
baseline
▲ 0.50% · 4.625%
HK$23,635
+HK$1,183/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,904/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,618
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,384
−HK$778/mo
Today · 4.125%
HK$26,162
baseline
▲ 0.50% · 4.625%
HK$27,753
+HK$1,591/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$52,324/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$134,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,387
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,122
−HK$745/mo
Today · 4.125%
HK$28,867
baseline
▲ 0.50% · 4.625%
HK$30,388
+HK$1,521/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$57,734/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$134,952 · 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).