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$13,701
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,127
−HK$433/mo
Today · 4.125%
HK$14,560
baseline
▲ 0.50% · 4.625%
HK$15,446
+HK$886/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$29,120/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,242
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,651
−HK$414/mo
Today · 4.125%
HK$16,065
baseline
▲ 0.50% · 4.625%
HK$16,912
+HK$847/mo
Deposit HK$3.00M · loan HK$3.00M · min. income ≈ HK$32,130/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$135,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,441
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,952
−HK$520/mo
Today · 4.125%
HK$17,472
baseline
▲ 0.50% · 4.625%
HK$18,535
+HK$1,063/mo
Deposit HK$2.40M · loan HK$3.61M · min. income ≈ HK$34,944/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,290
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,781
−HK$497/mo
Today · 4.125%
HK$19,278
baseline
▲ 0.50% · 4.625%
HK$20,294
+HK$1,016/mo
Deposit HK$2.40M · loan HK$3.61M · min. income ≈ HK$38,556/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$135,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,181
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,777
−HK$607/mo
Today · 4.125%
HK$20,384
baseline
▲ 0.50% · 4.625%
HK$21,624
+HK$1,240/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$40,768/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,338
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,911
−HK$580/mo
Today · 4.125%
HK$22,491
baseline
▲ 0.50% · 4.625%
HK$23,677
+HK$1,186/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$44,982/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$135,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,661
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,428
−HK$780/mo
Today · 4.125%
HK$26,208
baseline
▲ 0.50% · 4.625%
HK$27,802
+HK$1,594/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$52,416/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$135,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,435
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,171
−HK$746/mo
Today · 4.125%
HK$28,917
baseline
▲ 0.50% · 4.625%
HK$30,442
+HK$1,525/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$57,834/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$135,837 · 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).