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$15,199
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,671
−HK$481/mo
Today · 4.125%
HK$16,152
baseline
▲ 0.50% · 4.625%
HK$17,134
+HK$982/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,304/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,908
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,362
−HK$460/mo
Today · 4.125%
HK$17,822
baseline
▲ 0.50% · 4.625%
HK$18,761
+HK$939/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,644/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,238
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,806
−HK$576/mo
Today · 4.125%
HK$19,382
baseline
▲ 0.50% · 4.625%
HK$20,561
+HK$1,179/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$38,764/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$199,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,290
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,834
−HK$552/mo
Today · 4.125%
HK$21,386
baseline
▲ 0.50% · 4.625%
HK$22,513
+HK$1,127/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$42,772/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$199,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,278
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,940
−HK$672/mo
Today · 4.125%
HK$22,612
baseline
▲ 0.50% · 4.625%
HK$23,988
+HK$1,376/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,224/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,672
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,306
−HK$645/mo
Today · 4.125%
HK$24,951
baseline
▲ 0.50% · 4.625%
HK$26,266
+HK$1,315/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,902/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,358
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,208
−HK$865/mo
Today · 4.125%
HK$29,073
baseline
▲ 0.50% · 4.625%
HK$30,842
+HK$1,769/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$58,146/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,435
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,251
−HK$828/mo
Today · 4.125%
HK$32,079
baseline
▲ 0.50% · 4.625%
HK$33,770
+HK$1,691/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$64,158/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,960 · 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).