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$15,207
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,680
−HK$481/mo
Today · 4.125%
HK$16,161
baseline
▲ 0.50% · 4.625%
HK$17,144
+HK$983/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,322/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$200,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,918
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,371
−HK$461/mo
Today · 4.125%
HK$17,832
baseline
▲ 0.50% · 4.625%
HK$18,771
+HK$939/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,664/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$200,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,248
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,816
−HK$577/mo
Today · 4.125%
HK$19,393
baseline
▲ 0.50% · 4.625%
HK$20,573
+HK$1,180/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$38,786/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,301
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,846
−HK$552/mo
Today · 4.125%
HK$21,398
baseline
▲ 0.50% · 4.625%
HK$22,526
+HK$1,128/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$42,796/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,290
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,952
−HK$673/mo
Today · 4.125%
HK$22,625
baseline
▲ 0.50% · 4.625%
HK$24,001
+HK$1,376/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,250/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,685
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,320
−HK$644/mo
Today · 4.125%
HK$24,964
baseline
▲ 0.50% · 4.625%
HK$26,280
+HK$1,316/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,928/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,372
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,224
−HK$865/mo
Today · 4.125%
HK$29,089
baseline
▲ 0.50% · 4.625%
HK$30,859
+HK$1,770/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$58,178/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$200,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,452
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,268
−HK$829/mo
Today · 4.125%
HK$32,097
baseline
▲ 0.50% · 4.625%
HK$33,789
+HK$1,692/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$64,194/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$200,069 · 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).