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$858/mo
▼ 0.25% · 3.875%
HK$14,115
−HK$432/mo
Today · 4.125%
HK$14,547
baseline
▲ 0.50% · 4.625%
HK$15,433
+HK$886/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$135,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,229
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,637
−HK$415/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$135,324 · 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$18,519
+HK$1,062/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$135,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,275
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,765
−HK$497/mo
Today · 4.125%
HK$19,262
baseline
▲ 0.50% · 4.625%
HK$20,277
+HK$1,015/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,524/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,164
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,761
−HK$605/mo
Today · 4.125%
HK$20,366
baseline
▲ 0.50% · 4.625%
HK$21,606
+HK$1,240/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,732/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,320
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,892
−HK$580/mo
Today · 4.125%
HK$22,472
baseline
▲ 0.50% · 4.625%
HK$23,657
+HK$1,185/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,944/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,640
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,407
−HK$778/mo
Today · 4.125%
HK$26,185
baseline
▲ 0.50% · 4.625%
HK$27,779
+HK$1,594/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$52,370/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,412
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,147
−HK$746/mo
Today · 4.125%
HK$28,893
baseline
▲ 0.50% · 4.625%
HK$30,416
+HK$1,523/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$57,786/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,324 · 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).