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$858/mo
▼ 0.25% · 3.875%
HK$14,097
−HK$432/mo
Today · 4.125%
HK$14,529
baseline
▲ 0.50% · 4.625%
HK$15,413
+HK$884/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,058/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,209
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,617
−HK$414/mo
Today · 4.125%
HK$16,031
baseline
▲ 0.50% · 4.625%
HK$16,876
+HK$845/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,062/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,406
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,916
−HK$519/mo
Today · 4.125%
HK$17,435
baseline
▲ 0.50% · 4.625%
HK$18,495
+HK$1,060/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,870/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,251
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,741
−HK$496/mo
Today · 4.125%
HK$19,237
baseline
▲ 0.50% · 4.625%
HK$20,251
+HK$1,014/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,474/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,140
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,735
−HK$605/mo
Today · 4.125%
HK$20,340
baseline
▲ 0.50% · 4.625%
HK$21,578
+HK$1,238/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,680/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,293
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,864
−HK$580/mo
Today · 4.125%
HK$22,444
baseline
▲ 0.50% · 4.625%
HK$23,627
+HK$1,183/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,888/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,609
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,374
−HK$778/mo
Today · 4.125%
HK$26,152
baseline
▲ 0.50% · 4.625%
HK$27,743
+HK$1,591/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$52,304/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,377
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,111
−HK$745/mo
Today · 4.125%
HK$28,856
baseline
▲ 0.50% · 4.625%
HK$30,377
+HK$1,521/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$57,712/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,901 · 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).