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$13,687
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,113
−HK$432/mo
Today · 4.125%
HK$14,545
baseline
▲ 0.50% · 4.625%
HK$15,430
+HK$885/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,090/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,227
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,635
−HK$414/mo
Today · 4.125%
HK$16,049
baseline
▲ 0.50% · 4.625%
HK$16,895
+HK$846/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,098/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,425
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,935
−HK$519/mo
Today · 4.125%
HK$17,454
baseline
▲ 0.50% · 4.625%
HK$18,517
+HK$1,063/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,908/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,272
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,762
−HK$497/mo
Today · 4.125%
HK$19,259
baseline
▲ 0.50% · 4.625%
HK$20,274
+HK$1,015/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,518/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,162
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,758
−HK$606/mo
Today · 4.125%
HK$20,364
baseline
▲ 0.50% · 4.625%
HK$21,603
+HK$1,239/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,728/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,317
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,889
−HK$580/mo
Today · 4.125%
HK$22,469
baseline
▲ 0.50% · 4.625%
HK$23,654
+HK$1,185/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,938/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,637
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,403
−HK$779/mo
Today · 4.125%
HK$26,182
baseline
▲ 0.50% · 4.625%
HK$27,775
+HK$1,593/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$52,364/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$135,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,408
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,143
−HK$746/mo
Today · 4.125%
HK$28,889
baseline
▲ 0.50% · 4.625%
HK$30,412
+HK$1,523/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$57,778/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$135,245 · 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).