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$13,691
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,117
−HK$433/mo
Today · 4.125%
HK$14,550
baseline
▲ 0.50% · 4.625%
HK$15,435
+HK$885/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,100/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,231
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,640
−HK$414/mo
Today · 4.125%
HK$16,054
baseline
▲ 0.50% · 4.625%
HK$16,901
+HK$847/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,108/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,430
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,941
−HK$519/mo
Today · 4.125%
HK$17,460
baseline
▲ 0.50% · 4.625%
HK$18,522
+HK$1,062/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,920/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,278
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,768
−HK$497/mo
Today · 4.125%
HK$19,265
baseline
▲ 0.50% · 4.625%
HK$20,281
+HK$1,016/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,530/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,168
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,764
−HK$606/mo
Today · 4.125%
HK$20,370
baseline
▲ 0.50% · 4.625%
HK$21,609
+HK$1,239/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,740/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,324
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,896
−HK$580/mo
Today · 4.125%
HK$22,476
baseline
▲ 0.50% · 4.625%
HK$23,661
+HK$1,185/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,952/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,644
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,411
−HK$779/mo
Today · 4.125%
HK$26,190
baseline
▲ 0.50% · 4.625%
HK$27,783
+HK$1,593/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$52,380/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,417
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,152
−HK$746/mo
Today · 4.125%
HK$28,898
baseline
▲ 0.50% · 4.625%
HK$30,421
+HK$1,523/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$57,796/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,429 · 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).