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$13,684
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,110
−HK$433/mo
Today · 4.125%
HK$14,543
baseline
▲ 0.50% · 4.625%
HK$15,427
+HK$884/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,086/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,224
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,632
−HK$414/mo
Today · 4.125%
HK$16,046
baseline
▲ 0.50% · 4.625%
HK$16,892
+HK$846/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,092/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,421
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,932
−HK$519/mo
Today · 4.125%
HK$17,451
baseline
▲ 0.50% · 4.625%
HK$18,513
+HK$1,062/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,902/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,269
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,758
−HK$498/mo
Today · 4.125%
HK$19,256
baseline
▲ 0.50% · 4.625%
HK$20,270
+HK$1,014/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,512/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,158
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,754
−HK$606/mo
Today · 4.125%
HK$20,360
baseline
▲ 0.50% · 4.625%
HK$21,598
+HK$1,238/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,720/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,313
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,885
−HK$580/mo
Today · 4.125%
HK$22,465
baseline
▲ 0.50% · 4.625%
HK$23,649
+HK$1,184/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,930/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,632
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,398
−HK$779/mo
Today · 4.125%
HK$26,177
baseline
▲ 0.50% · 4.625%
HK$27,769
+HK$1,592/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$52,354/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$135,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,403
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,138
−HK$745/mo
Today · 4.125%
HK$28,883
baseline
▲ 0.50% · 4.625%
HK$30,406
+HK$1,523/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$57,766/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$135,126 · 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).