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$13,682
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,107
−HK$433/mo
Today · 4.125%
HK$14,540
baseline
▲ 0.50% · 4.625%
HK$15,425
+HK$885/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,080/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,221
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,629
−HK$414/mo
Today · 4.125%
HK$16,043
baseline
▲ 0.50% · 4.625%
HK$16,889
+HK$846/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,086/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,418
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,929
−HK$519/mo
Today · 4.125%
HK$17,448
baseline
▲ 0.50% · 4.625%
HK$18,509
+HK$1,061/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,896/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,265
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,755
−HK$497/mo
Today · 4.125%
HK$19,252
baseline
▲ 0.50% · 4.625%
HK$20,267
+HK$1,015/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,504/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,155
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,750
−HK$606/mo
Today · 4.125%
HK$20,356
baseline
▲ 0.50% · 4.625%
HK$21,594
+HK$1,238/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,712/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,309
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,881
−HK$580/mo
Today · 4.125%
HK$22,461
baseline
▲ 0.50% · 4.625%
HK$23,644
+HK$1,183/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,922/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,627
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,393
−HK$779/mo
Today · 4.125%
HK$26,172
baseline
▲ 0.50% · 4.625%
HK$27,764
+HK$1,592/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$52,344/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$135,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,398
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,132
−HK$746/mo
Today · 4.125%
HK$28,878
baseline
▲ 0.50% · 4.625%
HK$30,400
+HK$1,522/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$57,756/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$135,014 · 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).