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$15,214
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,688
−HK$480/mo
Today · 4.125%
HK$16,168
baseline
▲ 0.50% · 4.625%
HK$17,152
+HK$984/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,336/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,926
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,380
−HK$460/mo
Today · 4.125%
HK$17,840
baseline
▲ 0.50% · 4.625%
HK$18,781
+HK$941/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,680/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,257
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,825
−HK$577/mo
Today · 4.125%
HK$19,402
baseline
▲ 0.50% · 4.625%
HK$20,583
+HK$1,181/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$38,804/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,311
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,856
−HK$552/mo
Today · 4.125%
HK$21,408
baseline
▲ 0.50% · 4.625%
HK$22,537
+HK$1,129/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$42,816/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,300
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,963
−HK$673/mo
Today · 4.125%
HK$22,636
baseline
▲ 0.50% · 4.625%
HK$24,013
+HK$1,377/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,272/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,696
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,332
−HK$644/mo
Today · 4.125%
HK$24,976
baseline
▲ 0.50% · 4.625%
HK$26,293
+HK$1,317/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,952/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,386
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,238
−HK$865/mo
Today · 4.125%
HK$29,103
baseline
▲ 0.50% · 4.625%
HK$30,874
+HK$1,771/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$58,206/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$200,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,466
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,283
−HK$829/mo
Today · 4.125%
HK$32,112
baseline
▲ 0.50% · 4.625%
HK$33,805
+HK$1,693/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$64,224/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$200,166 · 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).