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$15,204
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,677
−HK$480/mo
Today · 4.125%
HK$16,157
baseline
▲ 0.50% · 4.625%
HK$17,140
+HK$983/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,314/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$200,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,914
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,368
−HK$460/mo
Today · 4.125%
HK$17,828
baseline
▲ 0.50% · 4.625%
HK$18,767
+HK$939/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,656/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$200,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,244
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,812
−HK$576/mo
Today · 4.125%
HK$19,388
baseline
▲ 0.50% · 4.625%
HK$20,568
+HK$1,180/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$38,776/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,297
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,841
−HK$552/mo
Today · 4.125%
HK$21,393
baseline
▲ 0.50% · 4.625%
HK$22,521
+HK$1,128/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$42,786/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,285
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,947
−HK$673/mo
Today · 4.125%
HK$22,620
baseline
▲ 0.50% · 4.625%
HK$23,996
+HK$1,376/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,240/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,679
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,315
−HK$644/mo
Today · 4.125%
HK$24,959
baseline
▲ 0.50% · 4.625%
HK$26,274
+HK$1,315/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,918/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,367
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,218
−HK$865/mo
Today · 4.125%
HK$29,083
baseline
▲ 0.50% · 4.625%
HK$30,852
+HK$1,769/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$58,166/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$200,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,445
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,262
−HK$828/mo
Today · 4.125%
HK$32,090
baseline
▲ 0.50% · 4.625%
HK$33,781
+HK$1,691/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$64,180/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$200,026 · 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).