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$15,204
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,677
−HK$481/mo
Today · 4.125%
HK$16,158
baseline
▲ 0.50% · 4.625%
HK$17,141
+HK$983/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,316/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$200,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,915
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,368
−HK$461/mo
Today · 4.125%
HK$17,829
baseline
▲ 0.50% · 4.625%
HK$18,768
+HK$939/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,658/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$200,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,245
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,813
−HK$576/mo
Today · 4.125%
HK$19,389
baseline
▲ 0.50% · 4.625%
HK$20,569
+HK$1,180/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$38,778/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,298
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,842
−HK$552/mo
Today · 4.125%
HK$21,394
baseline
▲ 0.50% · 4.625%
HK$22,522
+HK$1,128/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$42,788/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,286
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,948
−HK$673/mo
Today · 4.125%
HK$22,621
baseline
▲ 0.50% · 4.625%
HK$23,998
+HK$1,377/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,242/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,681
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,316
−HK$644/mo
Today · 4.125%
HK$24,960
baseline
▲ 0.50% · 4.625%
HK$26,276
+HK$1,316/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,920/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,368
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,219
−HK$865/mo
Today · 4.125%
HK$29,084
baseline
▲ 0.50% · 4.625%
HK$30,854
+HK$1,770/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$58,168/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$200,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,447
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,263
−HK$829/mo
Today · 4.125%
HK$32,092
baseline
▲ 0.50% · 4.625%
HK$33,783
+HK$1,691/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$64,184/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$200,037 · 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).