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$13,684
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,109
−HK$433/mo
Today · 4.125%
HK$14,542
baseline
▲ 0.50% · 4.625%
HK$15,427
+HK$885/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,084/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,223
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,631
−HK$415/mo
Today · 4.125%
HK$16,046
baseline
▲ 0.50% · 4.625%
HK$16,891
+HK$845/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,092/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,421
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,931
−HK$519/mo
Today · 4.125%
HK$17,450
baseline
▲ 0.50% · 4.625%
HK$18,512
+HK$1,062/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,900/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,268
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,758
−HK$497/mo
Today · 4.125%
HK$19,255
baseline
▲ 0.50% · 4.625%
HK$20,270
+HK$1,015/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,510/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,157
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,753
−HK$606/mo
Today · 4.125%
HK$20,359
baseline
▲ 0.50% · 4.625%
HK$21,597
+HK$1,238/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,718/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,312
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,884
−HK$580/mo
Today · 4.125%
HK$22,464
baseline
▲ 0.50% · 4.625%
HK$23,648
+HK$1,184/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,928/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,631
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,397
−HK$778/mo
Today · 4.125%
HK$26,175
baseline
▲ 0.50% · 4.625%
HK$27,768
+HK$1,593/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$52,350/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$135,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,402
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,136
−HK$746/mo
Today · 4.125%
HK$28,882
baseline
▲ 0.50% · 4.625%
HK$30,404
+HK$1,522/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$57,764/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$135,100 · 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).