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$13,686
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,112
−HK$433/mo
Today · 4.125%
HK$14,545
baseline
▲ 0.50% · 4.625%
HK$15,430
+HK$885/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,090/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,226
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,634
−HK$415/mo
Today · 4.125%
HK$16,049
baseline
▲ 0.50% · 4.625%
HK$16,895
+HK$846/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,098/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,424
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,935
−HK$519/mo
Today · 4.125%
HK$17,454
baseline
▲ 0.50% · 4.625%
HK$18,516
+HK$1,062/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,908/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,271
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,761
−HK$497/mo
Today · 4.125%
HK$19,258
baseline
▲ 0.50% · 4.625%
HK$20,273
+HK$1,015/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,516/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,161
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,757
−HK$606/mo
Today · 4.125%
HK$20,363
baseline
▲ 0.50% · 4.625%
HK$21,602
+HK$1,239/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,726/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,316
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,888
−HK$580/mo
Today · 4.125%
HK$22,468
baseline
▲ 0.50% · 4.625%
HK$23,652
+HK$1,184/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,936/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,636
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,402
−HK$778/mo
Today · 4.125%
HK$26,180
baseline
▲ 0.50% · 4.625%
HK$27,773
+HK$1,593/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$52,360/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$135,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,407
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,142
−HK$745/mo
Today · 4.125%
HK$28,887
baseline
▲ 0.50% · 4.625%
HK$30,410
+HK$1,523/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$57,774/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$135,214 · 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).