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$13,693
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,118
−HK$433/mo
Today · 4.125%
HK$14,551
baseline
▲ 0.50% · 4.625%
HK$15,437
+HK$886/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,102/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,233
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,641
−HK$415/mo
Today · 4.125%
HK$16,056
baseline
▲ 0.50% · 4.625%
HK$16,902
+HK$846/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,112/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,431
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,942
−HK$519/mo
Today · 4.125%
HK$17,461
baseline
▲ 0.50% · 4.625%
HK$18,524
+HK$1,063/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,922/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,279
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,770
−HK$497/mo
Today · 4.125%
HK$19,267
baseline
▲ 0.50% · 4.625%
HK$20,283
+HK$1,016/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,534/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,170
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,766
−HK$606/mo
Today · 4.125%
HK$20,372
baseline
▲ 0.50% · 4.625%
HK$21,611
+HK$1,239/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,744/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,326
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,898
−HK$580/mo
Today · 4.125%
HK$22,478
baseline
▲ 0.50% · 4.625%
HK$23,663
+HK$1,185/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,956/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,647
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,413
−HK$779/mo
Today · 4.125%
HK$26,192
baseline
▲ 0.50% · 4.625%
HK$27,786
+HK$1,594/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$52,384/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,419
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,154
−HK$746/mo
Today · 4.125%
HK$28,900
baseline
▲ 0.50% · 4.625%
HK$30,424
+HK$1,524/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$57,800/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$135,484 · 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).