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$13,672
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,097
−HK$432/mo
Today · 4.125%
HK$14,529
baseline
▲ 0.50% · 4.625%
HK$15,414
+HK$885/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,058/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,210
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,618
−HK$414/mo
Today · 4.125%
HK$16,032
baseline
▲ 0.50% · 4.625%
HK$16,877
+HK$845/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,064/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,406
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,917
−HK$518/mo
Today · 4.125%
HK$17,435
baseline
▲ 0.50% · 4.625%
HK$18,496
+HK$1,061/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,870/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,252
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,742
−HK$496/mo
Today · 4.125%
HK$19,238
baseline
▲ 0.50% · 4.625%
HK$20,252
+HK$1,014/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,476/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,141
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,736
−HK$605/mo
Today · 4.125%
HK$20,341
baseline
▲ 0.50% · 4.625%
HK$21,579
+HK$1,238/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,682/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,294
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,865
−HK$580/mo
Today · 4.125%
HK$22,445
baseline
▲ 0.50% · 4.625%
HK$23,628
+HK$1,183/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,890/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,610
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,375
−HK$778/mo
Today · 4.125%
HK$26,153
baseline
▲ 0.50% · 4.625%
HK$27,744
+HK$1,591/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$52,306/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,378
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,112
−HK$745/mo
Today · 4.125%
HK$28,857
baseline
▲ 0.50% · 4.625%
HK$30,378
+HK$1,521/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$57,714/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,907 · 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).