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$14,106
−HK$433/mo
Today · 4.125%
HK$14,539
baseline
▲ 0.50% · 4.625%
HK$15,423
+HK$884/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$134,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,220
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,628
−HK$414/mo
Today · 4.125%
HK$16,042
baseline
▲ 0.50% · 4.625%
HK$16,887
+HK$845/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,084/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,417
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,927
−HK$519/mo
Today · 4.125%
HK$17,446
baseline
▲ 0.50% · 4.625%
HK$18,508
+HK$1,062/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,892/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,263
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,753
−HK$497/mo
Today · 4.125%
HK$19,250
baseline
▲ 0.50% · 4.625%
HK$20,265
+HK$1,015/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,500/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,153
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,749
−HK$605/mo
Today · 4.125%
HK$20,354
baseline
▲ 0.50% · 4.625%
HK$21,592
+HK$1,238/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,708/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,307
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,879
−HK$580/mo
Today · 4.125%
HK$22,459
baseline
▲ 0.50% · 4.625%
HK$23,642
+HK$1,183/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,918/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,625
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,391
−HK$778/mo
Today · 4.125%
HK$26,169
baseline
▲ 0.50% · 4.625%
HK$27,762
+HK$1,593/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$52,338/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$134,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,395
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,130
−HK$745/mo
Today · 4.125%
HK$28,875
baseline
▲ 0.50% · 4.625%
HK$30,397
+HK$1,522/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$57,750/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$134,991 · 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).