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$858/mo
▼ 0.25% · 3.875%
HK$14,102
−HK$433/mo
Today · 4.125%
HK$14,535
baseline
▲ 0.50% · 4.625%
HK$15,419
+HK$884/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$134,956 · 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$16,883
+HK$845/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$134,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,412
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,923
−HK$519/mo
Today · 4.125%
HK$17,442
baseline
▲ 0.50% · 4.625%
HK$18,503
+HK$1,061/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,884/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,259
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,748
−HK$497/mo
Today · 4.125%
HK$19,245
baseline
▲ 0.50% · 4.625%
HK$20,260
+HK$1,015/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,490/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,148
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,743
−HK$606/mo
Today · 4.125%
HK$20,349
baseline
▲ 0.50% · 4.625%
HK$21,587
+HK$1,238/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,698/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,302
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,873
−HK$580/mo
Today · 4.125%
HK$22,453
baseline
▲ 0.50% · 4.625%
HK$23,636
+HK$1,183/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,906/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,619
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,384
−HK$778/mo
Today · 4.125%
HK$26,162
baseline
▲ 0.50% · 4.625%
HK$27,754
+HK$1,592/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$134,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,388
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,123
−HK$745/mo
Today · 4.125%
HK$28,868
baseline
▲ 0.50% · 4.625%
HK$30,389
+HK$1,521/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$57,736/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$134,956 · 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).