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$13,680
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,106
−HK$432/mo
Today · 4.125%
HK$14,538
baseline
▲ 0.50% · 4.625%
HK$15,423
+HK$885/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,076/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,219
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,627
−HK$414/mo
Today · 4.125%
HK$16,041
baseline
▲ 0.50% · 4.625%
HK$16,887
+HK$846/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,082/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,416
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,927
−HK$519/mo
Today · 4.125%
HK$17,446
baseline
▲ 0.50% · 4.625%
HK$18,507
+HK$1,061/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,892/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,263
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,753
−HK$496/mo
Today · 4.125%
HK$19,249
baseline
▲ 0.50% · 4.625%
HK$20,264
+HK$1,015/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,498/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,152
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,748
−HK$605/mo
Today · 4.125%
HK$20,353
baseline
▲ 0.50% · 4.625%
HK$21,592
+HK$1,239/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,706/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,307
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,878
−HK$580/mo
Today · 4.125%
HK$22,458
baseline
▲ 0.50% · 4.625%
HK$23,642
+HK$1,184/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,916/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,624
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,390
−HK$778/mo
Today · 4.125%
HK$26,168
baseline
▲ 0.50% · 4.625%
HK$27,761
+HK$1,593/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$52,336/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$134,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,394
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,129
−HK$745/mo
Today · 4.125%
HK$28,874
baseline
▲ 0.50% · 4.625%
HK$30,396
+HK$1,522/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$57,748/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$134,987 · 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).