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$13,674
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,099
−HK$432/mo
Today · 4.125%
HK$14,531
baseline
▲ 0.50% · 4.625%
HK$15,416
+HK$885/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,062/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,212
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,620
−HK$414/mo
Today · 4.125%
HK$16,034
baseline
▲ 0.50% · 4.625%
HK$16,879
+HK$845/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,068/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,409
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,919
−HK$519/mo
Today · 4.125%
HK$17,438
baseline
▲ 0.50% · 4.625%
HK$18,499
+HK$1,061/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,876/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,254
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,744
−HK$497/mo
Today · 4.125%
HK$19,241
baseline
▲ 0.50% · 4.625%
HK$20,255
+HK$1,014/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,482/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,143
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,739
−HK$605/mo
Today · 4.125%
HK$20,344
baseline
▲ 0.50% · 4.625%
HK$21,582
+HK$1,238/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,688/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,297
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,868
−HK$579/mo
Today · 4.125%
HK$22,447
baseline
▲ 0.50% · 4.625%
HK$23,631
+HK$1,184/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,894/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,613
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,379
−HK$777/mo
Today · 4.125%
HK$26,156
baseline
▲ 0.50% · 4.625%
HK$27,748
+HK$1,592/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$52,312/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$134,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,382
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,116
−HK$745/mo
Today · 4.125%
HK$28,861
baseline
▲ 0.50% · 4.625%
HK$30,382
+HK$1,521/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$57,722/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$134,925 · 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).