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$13,686
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,111
−HK$433/mo
Today · 4.125%
HK$14,544
baseline
▲ 0.50% · 4.625%
HK$15,429
+HK$885/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,088/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,225
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,633
−HK$415/mo
Today · 4.125%
HK$16,048
baseline
▲ 0.50% · 4.625%
HK$16,893
+HK$845/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,096/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,423
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,933
−HK$519/mo
Today · 4.125%
HK$17,452
baseline
▲ 0.50% · 4.625%
HK$18,514
+HK$1,062/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,904/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,270
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,760
−HK$497/mo
Today · 4.125%
HK$19,257
baseline
▲ 0.50% · 4.625%
HK$20,272
+HK$1,015/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,514/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,160
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,756
−HK$605/mo
Today · 4.125%
HK$20,361
baseline
▲ 0.50% · 4.625%
HK$21,600
+HK$1,239/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,722/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,315
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,887
−HK$580/mo
Today · 4.125%
HK$22,467
baseline
▲ 0.50% · 4.625%
HK$23,651
+HK$1,184/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,934/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,634
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,400
−HK$779/mo
Today · 4.125%
HK$26,179
baseline
▲ 0.50% · 4.625%
HK$27,772
+HK$1,593/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$52,358/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$135,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,405
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,140
−HK$746/mo
Today · 4.125%
HK$28,886
baseline
▲ 0.50% · 4.625%
HK$30,408
+HK$1,522/mo
Deposit HK$600K · loan HK$5.40M · min. income ≈ HK$57,772/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$135,176 · 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).