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$15,198
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,670
−HK$481/mo
Today · 4.125%
HK$16,151
baseline
▲ 0.50% · 4.625%
HK$17,133
+HK$982/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,302/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,907
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,361
−HK$460/mo
Today · 4.125%
HK$17,821
baseline
▲ 0.50% · 4.625%
HK$18,760
+HK$939/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,642/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,237
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,804
−HK$577/mo
Today · 4.125%
HK$19,381
baseline
▲ 0.50% · 4.625%
HK$20,560
+HK$1,179/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$38,762/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$199,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,289
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,833
−HK$552/mo
Today · 4.125%
HK$21,385
baseline
▲ 0.50% · 4.625%
HK$22,512
+HK$1,127/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$42,770/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$199,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,277
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,938
−HK$673/mo
Today · 4.125%
HK$22,611
baseline
▲ 0.50% · 4.625%
HK$23,987
+HK$1,376/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,222/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,670
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,305
−HK$644/mo
Today · 4.125%
HK$24,949
baseline
▲ 0.50% · 4.625%
HK$26,264
+HK$1,315/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,898/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,356
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,207
−HK$864/mo
Today · 4.125%
HK$29,071
baseline
▲ 0.50% · 4.625%
HK$30,840
+HK$1,769/mo
Deposit HK$666K · loan HK$6.00M · min. income ≈ HK$58,142/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,433
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,249
−HK$828/mo
Today · 4.125%
HK$32,077
baseline
▲ 0.50% · 4.625%
HK$33,768
+HK$1,691/mo
Deposit HK$666K · loan HK$6.00M · min. income ≈ HK$64,154/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,946 · 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).