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$13,702
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,129
−HK$433/mo
Today · 4.125%
HK$14,562
baseline
▲ 0.50% · 4.625%
HK$15,448
+HK$886/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,124/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,244
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,653
−HK$414/mo
Today · 4.125%
HK$16,067
baseline
▲ 0.50% · 4.625%
HK$16,914
+HK$847/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,134/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,443
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,954
−HK$520/mo
Today · 4.125%
HK$17,474
baseline
▲ 0.50% · 4.625%
HK$18,537
+HK$1,063/mo
Deposit HK$2.40M · loan HK$3.61M · min. income ≈ HK$34,948/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,292
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,783
−HK$498/mo
Today · 4.125%
HK$19,281
baseline
▲ 0.50% · 4.625%
HK$20,297
+HK$1,016/mo
Deposit HK$2.40M · loan HK$3.61M · min. income ≈ HK$38,562/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,183
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,780
−HK$606/mo
Today · 4.125%
HK$20,386
baseline
▲ 0.50% · 4.625%
HK$21,627
+HK$1,241/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$40,772/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,341
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,914
−HK$580/mo
Today · 4.125%
HK$22,494
baseline
▲ 0.50% · 4.625%
HK$23,680
+HK$1,186/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$44,988/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,664
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,431
−HK$780/mo
Today · 4.125%
HK$26,211
baseline
▲ 0.50% · 4.625%
HK$27,806
+HK$1,595/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$52,422/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$135,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,439
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,175
−HK$746/mo
Today · 4.125%
HK$28,921
baseline
▲ 0.50% · 4.625%
HK$30,446
+HK$1,525/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$57,842/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$135,911 · 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).