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$13,688
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,114
−HK$433/mo
Today · 4.125%
HK$14,547
baseline
▲ 0.50% · 4.625%
HK$15,432
+HK$885/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,094/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,228
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,637
−HK$414/mo
Today · 4.125%
HK$16,051
baseline
▲ 0.50% · 4.625%
HK$16,897
+HK$846/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,102/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,426
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,937
−HK$519/mo
Today · 4.125%
HK$17,456
baseline
▲ 0.50% · 4.625%
HK$18,518
+HK$1,062/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,912/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,274
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,764
−HK$497/mo
Today · 4.125%
HK$19,261
baseline
▲ 0.50% · 4.625%
HK$20,276
+HK$1,015/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,522/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,164
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,760
−HK$605/mo
Today · 4.125%
HK$20,365
baseline
▲ 0.50% · 4.625%
HK$21,605
+HK$1,240/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,730/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,319
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,891
−HK$580/mo
Today · 4.125%
HK$22,471
baseline
▲ 0.50% · 4.625%
HK$23,656
+HK$1,185/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,942/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,639
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,405
−HK$779/mo
Today · 4.125%
HK$26,184
baseline
▲ 0.50% · 4.625%
HK$27,777
+HK$1,593/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$52,368/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,411
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,146
−HK$745/mo
Today · 4.125%
HK$28,891
baseline
▲ 0.50% · 4.625%
HK$30,414
+HK$1,523/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$57,782/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,297 · 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).