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$13,679
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,105
−HK$432/mo
Today · 4.125%
HK$14,537
baseline
▲ 0.50% · 4.625%
HK$15,422
+HK$885/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,074/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,218
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,626
−HK$414/mo
Today · 4.125%
HK$16,040
baseline
▲ 0.50% · 4.625%
HK$16,886
+HK$846/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,080/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,415
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,926
−HK$518/mo
Today · 4.125%
HK$17,444
baseline
▲ 0.50% · 4.625%
HK$18,506
+HK$1,062/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,888/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,262
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,751
−HK$497/mo
Today · 4.125%
HK$19,248
baseline
▲ 0.50% · 4.625%
HK$20,263
+HK$1,015/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,496/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,151
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,747
−HK$605/mo
Today · 4.125%
HK$20,352
baseline
▲ 0.50% · 4.625%
HK$21,590
+HK$1,238/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,704/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,305
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,877
−HK$579/mo
Today · 4.125%
HK$22,456
baseline
▲ 0.50% · 4.625%
HK$23,640
+HK$1,184/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,912/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,623
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,388
−HK$779/mo
Today · 4.125%
HK$26,167
baseline
▲ 0.50% · 4.625%
HK$27,759
+HK$1,592/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$52,334/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$134,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,392
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,127
−HK$745/mo
Today · 4.125%
HK$28,872
baseline
▲ 0.50% · 4.625%
HK$30,394
+HK$1,522/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$57,744/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$134,977 · 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).