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$13,673
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,098
−HK$432/mo
Today · 4.125%
HK$14,530
baseline
▲ 0.50% · 4.625%
HK$15,414
+HK$884/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,060/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,211
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,619
−HK$414/mo
Today · 4.125%
HK$16,033
baseline
▲ 0.50% · 4.625%
HK$16,878
+HK$845/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,066/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,407
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,918
−HK$518/mo
Today · 4.125%
HK$17,436
baseline
▲ 0.50% · 4.625%
HK$18,497
+HK$1,061/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,872/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,253
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,743
−HK$496/mo
Today · 4.125%
HK$19,239
baseline
▲ 0.50% · 4.625%
HK$20,253
+HK$1,014/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,478/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,142
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,737
−HK$605/mo
Today · 4.125%
HK$20,342
baseline
▲ 0.50% · 4.625%
HK$21,580
+HK$1,238/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,684/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,295
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,866
−HK$580/mo
Today · 4.125%
HK$22,446
baseline
▲ 0.50% · 4.625%
HK$23,629
+HK$1,183/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,892/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,611
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,377
−HK$777/mo
Today · 4.125%
HK$26,154
baseline
▲ 0.50% · 4.625%
HK$27,746
+HK$1,592/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$52,308/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$134,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,380
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,114
−HK$745/mo
Today · 4.125%
HK$28,859
baseline
▲ 0.50% · 4.625%
HK$30,380
+HK$1,521/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$57,718/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$134,914 · 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).