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$13,674
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,100
−HK$432/mo
Today · 4.125%
HK$14,532
baseline
▲ 0.50% · 4.625%
HK$15,416
+HK$884/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,064/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,212
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,620
−HK$414/mo
Today · 4.125%
HK$16,034
baseline
▲ 0.50% · 4.625%
HK$16,880
+HK$846/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,068/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,409
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,919
−HK$519/mo
Today · 4.125%
HK$17,438
baseline
▲ 0.50% · 4.625%
HK$18,499
+HK$1,061/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,876/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,255
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,745
−HK$496/mo
Today · 4.125%
HK$19,241
baseline
▲ 0.50% · 4.625%
HK$20,255
+HK$1,014/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,482/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,144
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,739
−HK$605/mo
Today · 4.125%
HK$20,344
baseline
▲ 0.50% · 4.625%
HK$21,582
+HK$1,238/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,688/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,297
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,869
−HK$579/mo
Today · 4.125%
HK$22,448
baseline
▲ 0.50% · 4.625%
HK$23,631
+HK$1,183/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,896/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,614
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,379
−HK$778/mo
Today · 4.125%
HK$26,157
baseline
▲ 0.50% · 4.625%
HK$27,749
+HK$1,592/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$52,314/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$134,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,382
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,117
−HK$745/mo
Today · 4.125%
HK$28,862
baseline
▲ 0.50% · 4.625%
HK$30,383
+HK$1,521/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$57,724/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$134,928 · 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).