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$15,206
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,679
−HK$480/mo
Today · 4.125%
HK$16,159
baseline
▲ 0.50% · 4.625%
HK$17,143
+HK$984/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,318/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$200,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,916
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,370
−HK$460/mo
Today · 4.125%
HK$17,830
baseline
▲ 0.50% · 4.625%
HK$18,770
+HK$940/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,660/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$200,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,247
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,815
−HK$576/mo
Today · 4.125%
HK$19,391
baseline
▲ 0.50% · 4.625%
HK$20,571
+HK$1,180/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$38,782/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,300
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,844
−HK$552/mo
Today · 4.125%
HK$21,396
baseline
▲ 0.50% · 4.625%
HK$22,524
+HK$1,128/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$42,792/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,288
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,950
−HK$673/mo
Today · 4.125%
HK$22,623
baseline
▲ 0.50% · 4.625%
HK$24,000
+HK$1,377/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,246/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,683
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,318
−HK$644/mo
Today · 4.125%
HK$24,962
baseline
▲ 0.50% · 4.625%
HK$26,278
+HK$1,316/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,924/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,370
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,222
−HK$865/mo
Today · 4.125%
HK$29,087
baseline
▲ 0.50% · 4.625%
HK$30,857
+HK$1,770/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$58,174/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$200,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,449
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,266
−HK$828/mo
Today · 4.125%
HK$32,094
baseline
▲ 0.50% · 4.625%
HK$33,786
+HK$1,692/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$64,188/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$200,055 · 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).