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$13,667
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,092
−HK$432/mo
Today · 4.125%
HK$14,524
baseline
▲ 0.50% · 4.625%
HK$15,407
+HK$883/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,048/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,204
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,612
−HK$413/mo
Today · 4.125%
HK$16,025
baseline
▲ 0.50% · 4.625%
HK$16,870
+HK$845/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,050/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$134,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,400
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,910
−HK$518/mo
Today · 4.125%
HK$17,428
baseline
▲ 0.50% · 4.625%
HK$18,489
+HK$1,061/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$34,856/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,245
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,734
−HK$496/mo
Today · 4.125%
HK$19,230
baseline
▲ 0.50% · 4.625%
HK$20,244
+HK$1,014/mo
Deposit HK$2.40M · loan HK$3.60M · min. income ≈ HK$38,460/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$134,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,133
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,728
−HK$605/mo
Today · 4.125%
HK$20,333
baseline
▲ 0.50% · 4.625%
HK$21,570
+HK$1,237/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$40,666/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,285
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,856
−HK$579/mo
Today · 4.125%
HK$22,435
baseline
▲ 0.50% · 4.625%
HK$23,618
+HK$1,183/mo
Deposit HK$1.80M · loan HK$4.20M · min. income ≈ HK$44,870/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$134,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,600
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,365
−HK$777/mo
Today · 4.125%
HK$26,142
baseline
▲ 0.50% · 4.625%
HK$27,733
+HK$1,591/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$52,284/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,367
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,101
−HK$745/mo
Today · 4.125%
HK$28,846
baseline
▲ 0.50% · 4.625%
HK$30,366
+HK$1,520/mo
Deposit HK$599K · loan HK$5.39M · min. income ≈ HK$57,692/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$134,853 · 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).