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$15,205
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,678
−HK$480/mo
Today · 4.125%
HK$16,158
baseline
▲ 0.50% · 4.625%
HK$17,142
+HK$984/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,316/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$200,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,915
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,369
−HK$460/mo
Today · 4.125%
HK$17,829
baseline
▲ 0.50% · 4.625%
HK$18,769
+HK$940/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,658/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$200,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,246
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,814
−HK$576/mo
Today · 4.125%
HK$19,390
baseline
▲ 0.50% · 4.625%
HK$20,570
+HK$1,180/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$38,780/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,298
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,843
−HK$552/mo
Today · 4.125%
HK$21,395
baseline
▲ 0.50% · 4.625%
HK$22,523
+HK$1,128/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$42,790/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,287
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,949
−HK$673/mo
Today · 4.125%
HK$22,622
baseline
▲ 0.50% · 4.625%
HK$23,998
+HK$1,376/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,244/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,682
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,317
−HK$644/mo
Today · 4.125%
HK$24,961
baseline
▲ 0.50% · 4.625%
HK$26,277
+HK$1,316/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,922/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,369
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,220
−HK$865/mo
Today · 4.125%
HK$29,085
baseline
▲ 0.50% · 4.625%
HK$30,855
+HK$1,770/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$58,170/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$200,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,448
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,264
−HK$829/mo
Today · 4.125%
HK$32,093
baseline
▲ 0.50% · 4.625%
HK$33,784
+HK$1,691/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$64,186/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$200,044 · 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).