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$13,676
−HK$857/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$134,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,214
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,622
−HK$414/mo
Today · 4.125%
HK$16,036
baseline
▲ 0.50% · 4.625%
HK$16,881
+HK$845/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,072/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,411
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,921
−HK$519/mo
Today · 4.125%
HK$17,440
baseline
▲ 0.50% · 4.625%
HK$18,501
+HK$1,061/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,880/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,257
−HK$986/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$134,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,146
−HK$1,200/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$134,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,300
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,871
−HK$579/mo
Today · 4.125%
HK$22,450
baseline
▲ 0.50% · 4.625%
HK$23,634
+HK$1,184/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$134,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,616
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,382
−HK$778/mo
Today · 4.125%
HK$26,160
baseline
▲ 0.50% · 4.625%
HK$27,751
+HK$1,591/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$52,320/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$134,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,385
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,120
−HK$745/mo
Today · 4.125%
HK$28,865
baseline
▲ 0.50% · 4.625%
HK$30,386
+HK$1,521/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$57,730/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$134,942 · 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).