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$13,671
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,096
−HK$432/mo
Today · 4.125%
HK$14,528
baseline
▲ 0.50% · 4.625%
HK$15,412
+HK$884/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,056/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,209
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,617
−HK$413/mo
Today · 4.125%
HK$16,030
baseline
▲ 0.50% · 4.625%
HK$16,875
+HK$845/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,060/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,405
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,915
−HK$519/mo
Today · 4.125%
HK$17,434
baseline
▲ 0.50% · 4.625%
HK$18,495
+HK$1,061/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,868/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,250
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,740
−HK$496/mo
Today · 4.125%
HK$19,236
baseline
▲ 0.50% · 4.625%
HK$20,250
+HK$1,014/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,472/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,139
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,734
−HK$605/mo
Today · 4.125%
HK$20,339
baseline
▲ 0.50% · 4.625%
HK$21,577
+HK$1,238/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,678/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,292
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,863
−HK$579/mo
Today · 4.125%
HK$22,442
baseline
▲ 0.50% · 4.625%
HK$23,625
+HK$1,183/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,884/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,607
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,373
−HK$778/mo
Today · 4.125%
HK$26,151
baseline
▲ 0.50% · 4.625%
HK$27,742
+HK$1,591/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$52,302/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,376
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,110
−HK$745/mo
Today · 4.125%
HK$28,855
baseline
▲ 0.50% · 4.625%
HK$30,376
+HK$1,521/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$57,710/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,895 · 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).