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$13,689
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,115
−HK$433/mo
Today · 4.125%
HK$14,548
baseline
▲ 0.50% · 4.625%
HK$15,433
+HK$885/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,096/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,229
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,638
−HK$414/mo
Today · 4.125%
HK$16,052
baseline
▲ 0.50% · 4.625%
HK$16,898
+HK$846/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,104/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,427
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,938
−HK$519/mo
Today · 4.125%
HK$17,457
baseline
▲ 0.50% · 4.625%
HK$18,520
+HK$1,063/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,914/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,275
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,765
−HK$498/mo
Today · 4.125%
HK$19,263
baseline
▲ 0.50% · 4.625%
HK$20,278
+HK$1,015/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,526/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,165
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,761
−HK$606/mo
Today · 4.125%
HK$20,367
baseline
▲ 0.50% · 4.625%
HK$21,606
+HK$1,239/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,734/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,321
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,893
−HK$580/mo
Today · 4.125%
HK$22,473
baseline
▲ 0.50% · 4.625%
HK$23,658
+HK$1,185/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,946/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,641
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,407
−HK$779/mo
Today · 4.125%
HK$26,186
baseline
▲ 0.50% · 4.625%
HK$27,779
+HK$1,593/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$52,372/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,413
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,148
−HK$746/mo
Today · 4.125%
HK$28,894
baseline
▲ 0.50% · 4.625%
HK$30,417
+HK$1,523/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$57,788/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,345 · 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).