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$15,194
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,667
−HK$480/mo
Today · 4.125%
HK$16,147
baseline
▲ 0.50% · 4.625%
HK$17,129
+HK$982/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,294/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,903
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,357
−HK$460/mo
Today · 4.125%
HK$17,817
baseline
▲ 0.50% · 4.625%
HK$18,756
+HK$939/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,634/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,233
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,800
−HK$576/mo
Today · 4.125%
HK$19,376
baseline
▲ 0.50% · 4.625%
HK$20,555
+HK$1,179/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$38,752/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$199,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,284
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,828
−HK$552/mo
Today · 4.125%
HK$21,380
baseline
▲ 0.50% · 4.625%
HK$22,507
+HK$1,127/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$42,760/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$199,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,272
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,934
−HK$672/mo
Today · 4.125%
HK$22,606
baseline
▲ 0.50% · 4.625%
HK$23,981
+HK$1,375/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,212/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,665
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,299
−HK$644/mo
Today · 4.125%
HK$24,943
baseline
▲ 0.50% · 4.625%
HK$26,258
+HK$1,315/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,886/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,349
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,200
−HK$865/mo
Today · 4.125%
HK$29,065
baseline
▲ 0.50% · 4.625%
HK$30,833
+HK$1,768/mo
Deposit HK$666K · loan HK$6.00M · min. income ≈ HK$58,130/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,426
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,242
−HK$828/mo
Today · 4.125%
HK$32,070
baseline
▲ 0.50% · 4.625%
HK$33,760
+HK$1,690/mo
Deposit HK$666K · loan HK$6.00M · min. income ≈ HK$64,140/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,901 · 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).