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$13,681
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,107
−HK$432/mo
Today · 4.125%
HK$14,539
baseline
▲ 0.50% · 4.625%
HK$15,424
+HK$885/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,078/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,220
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,629
−HK$414/mo
Today · 4.125%
HK$16,043
baseline
▲ 0.50% · 4.625%
HK$16,888
+HK$845/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,086/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,418
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,928
−HK$519/mo
Today · 4.125%
HK$17,447
baseline
▲ 0.50% · 4.625%
HK$18,509
+HK$1,062/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,894/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,265
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,754
−HK$497/mo
Today · 4.125%
HK$19,251
baseline
▲ 0.50% · 4.625%
HK$20,266
+HK$1,015/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,502/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,154
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,750
−HK$605/mo
Today · 4.125%
HK$20,355
baseline
▲ 0.50% · 4.625%
HK$21,594
+HK$1,239/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,710/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,309
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,880
−HK$580/mo
Today · 4.125%
HK$22,460
baseline
▲ 0.50% · 4.625%
HK$23,644
+HK$1,184/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,920/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,627
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,393
−HK$778/mo
Today · 4.125%
HK$26,171
baseline
▲ 0.50% · 4.625%
HK$27,763
+HK$1,592/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$52,342/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$134,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,397
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,132
−HK$745/mo
Today · 4.125%
HK$28,877
baseline
▲ 0.50% · 4.625%
HK$30,399
+HK$1,522/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$57,754/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$134,999 · 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).