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$15,193
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,665
−HK$480/mo
Today · 4.125%
HK$16,145
baseline
▲ 0.50% · 4.625%
HK$17,128
+HK$983/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,290/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,902
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,355
−HK$460/mo
Today · 4.125%
HK$17,815
baseline
▲ 0.50% · 4.625%
HK$18,754
+HK$939/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,630/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,231
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,798
−HK$577/mo
Today · 4.125%
HK$19,375
baseline
▲ 0.50% · 4.625%
HK$20,553
+HK$1,178/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$38,750/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,282
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,826
−HK$552/mo
Today · 4.125%
HK$21,378
baseline
▲ 0.50% · 4.625%
HK$22,505
+HK$1,127/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$42,756/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,270
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,931
−HK$673/mo
Today · 4.125%
HK$22,604
baseline
▲ 0.50% · 4.625%
HK$23,979
+HK$1,375/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,208/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,662
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,297
−HK$644/mo
Today · 4.125%
HK$24,941
baseline
▲ 0.50% · 4.625%
HK$26,256
+HK$1,315/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,882/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,347
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,198
−HK$864/mo
Today · 4.125%
HK$29,062
baseline
▲ 0.50% · 4.625%
HK$30,830
+HK$1,768/mo
Deposit HK$666K · loan HK$6.00M · min. income ≈ HK$58,124/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,423
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,239
−HK$828/mo
Today · 4.125%
HK$32,067
baseline
▲ 0.50% · 4.625%
HK$33,757
+HK$1,690/mo
Deposit HK$666K · loan HK$6.00M · min. income ≈ HK$64,134/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,882 · 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).