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$13,675
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,101
−HK$432/mo
Today · 4.125%
HK$14,533
baseline
▲ 0.50% · 4.625%
HK$15,417
+HK$884/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,066/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,214
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,622
−HK$413/mo
Today · 4.125%
HK$16,035
baseline
▲ 0.50% · 4.625%
HK$16,881
+HK$846/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,070/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,410
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,921
−HK$518/mo
Today · 4.125%
HK$17,439
baseline
▲ 0.50% · 4.625%
HK$18,500
+HK$1,061/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,878/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,256
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,746
−HK$497/mo
Today · 4.125%
HK$19,243
baseline
▲ 0.50% · 4.625%
HK$20,257
+HK$1,014/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,486/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,145
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,741
−HK$605/mo
Today · 4.125%
HK$20,346
baseline
▲ 0.50% · 4.625%
HK$21,584
+HK$1,238/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,692/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,299
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,870
−HK$580/mo
Today · 4.125%
HK$22,450
baseline
▲ 0.50% · 4.625%
HK$23,633
+HK$1,183/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,900/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,615
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,381
−HK$778/mo
Today · 4.125%
HK$26,159
baseline
▲ 0.50% · 4.625%
HK$27,751
+HK$1,592/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$52,318/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$134,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,384
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,119
−HK$745/mo
Today · 4.125%
HK$28,864
baseline
▲ 0.50% · 4.625%
HK$30,385
+HK$1,521/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$57,728/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$134,938 · 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).