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$13,683
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,109
−HK$432/mo
Today · 4.125%
HK$14,541
baseline
▲ 0.50% · 4.625%
HK$15,426
+HK$885/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,082/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,222
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,631
−HK$414/mo
Today · 4.125%
HK$16,045
baseline
▲ 0.50% · 4.625%
HK$16,891
+HK$846/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,090/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,420
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,931
−HK$519/mo
Today · 4.125%
HK$17,450
baseline
▲ 0.50% · 4.625%
HK$18,511
+HK$1,061/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,900/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,267
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,757
−HK$497/mo
Today · 4.125%
HK$19,254
baseline
▲ 0.50% · 4.625%
HK$20,269
+HK$1,015/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,508/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,157
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,752
−HK$606/mo
Today · 4.125%
HK$20,358
baseline
▲ 0.50% · 4.625%
HK$21,597
+HK$1,239/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,716/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,311
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,883
−HK$580/mo
Today · 4.125%
HK$22,463
baseline
▲ 0.50% · 4.625%
HK$23,647
+HK$1,184/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,926/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,630
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,396
−HK$778/mo
Today · 4.125%
HK$26,174
baseline
▲ 0.50% · 4.625%
HK$27,767
+HK$1,593/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$52,348/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$135,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,400
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,135
−HK$746/mo
Today · 4.125%
HK$28,881
baseline
▲ 0.50% · 4.625%
HK$30,403
+HK$1,522/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$57,762/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$135,075 · 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).