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$13,690
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,116
−HK$433/mo
Today · 4.125%
HK$14,549
baseline
▲ 0.50% · 4.625%
HK$15,434
+HK$885/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,098/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,230
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,639
−HK$414/mo
Today · 4.125%
HK$16,053
baseline
▲ 0.50% · 4.625%
HK$16,899
+HK$846/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,106/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,428
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,939
−HK$520/mo
Today · 4.125%
HK$17,459
baseline
▲ 0.50% · 4.625%
HK$18,521
+HK$1,062/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,918/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,276
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,767
−HK$497/mo
Today · 4.125%
HK$19,264
baseline
▲ 0.50% · 4.625%
HK$20,279
+HK$1,015/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,528/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,166
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,763
−HK$605/mo
Today · 4.125%
HK$20,368
baseline
▲ 0.50% · 4.625%
HK$21,608
+HK$1,240/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,736/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,322
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,894
−HK$580/mo
Today · 4.125%
HK$22,474
baseline
▲ 0.50% · 4.625%
HK$23,659
+HK$1,185/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,948/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,643
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,409
−HK$779/mo
Today · 4.125%
HK$26,188
baseline
▲ 0.50% · 4.625%
HK$27,781
+HK$1,593/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$52,376/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,415
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,150
−HK$746/mo
Today · 4.125%
HK$28,896
baseline
▲ 0.50% · 4.625%
HK$30,419
+HK$1,523/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$57,792/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,385 · 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).