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$15,197
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,670
−HK$480/mo
Today · 4.125%
HK$16,150
baseline
▲ 0.50% · 4.625%
HK$17,133
+HK$983/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,300/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,907
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,360
−HK$460/mo
Today · 4.125%
HK$17,820
baseline
▲ 0.50% · 4.625%
HK$18,760
+HK$940/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,640/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,237
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,804
−HK$576/mo
Today · 4.125%
HK$19,380
baseline
▲ 0.50% · 4.625%
HK$20,560
+HK$1,180/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$38,760/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$199,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,288
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,832
−HK$552/mo
Today · 4.125%
HK$21,384
baseline
▲ 0.50% · 4.625%
HK$22,512
+HK$1,128/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$42,768/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$199,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,276
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,938
−HK$673/mo
Today · 4.125%
HK$22,611
baseline
▲ 0.50% · 4.625%
HK$23,986
+HK$1,375/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,222/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,670
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,304
−HK$644/mo
Today · 4.125%
HK$24,948
baseline
▲ 0.50% · 4.625%
HK$26,264
+HK$1,316/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,896/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,355
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,206
−HK$865/mo
Today · 4.125%
HK$29,071
baseline
▲ 0.50% · 4.625%
HK$30,840
+HK$1,769/mo
Deposit HK$666K · loan HK$6.00M · min. income ≈ HK$58,142/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,432
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,249
−HK$828/mo
Today · 4.125%
HK$32,077
baseline
▲ 0.50% · 4.625%
HK$33,767
+HK$1,690/mo
Deposit HK$666K · loan HK$6.00M · min. income ≈ HK$64,154/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,943 · 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).