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$15,214
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,687
−HK$481/mo
Today · 4.125%
HK$16,168
baseline
▲ 0.50% · 4.625%
HK$17,152
+HK$984/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,336/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,925
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,379
−HK$461/mo
Today · 4.125%
HK$17,840
baseline
▲ 0.50% · 4.625%
HK$18,780
+HK$940/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,680/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,257
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,825
−HK$576/mo
Today · 4.125%
HK$19,401
baseline
▲ 0.50% · 4.625%
HK$20,582
+HK$1,181/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$38,802/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,310
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,855
−HK$553/mo
Today · 4.125%
HK$21,408
baseline
▲ 0.50% · 4.625%
HK$22,536
+HK$1,128/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$42,816/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,299
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,962
−HK$673/mo
Today · 4.125%
HK$22,635
baseline
▲ 0.50% · 4.625%
HK$24,012
+HK$1,377/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,270/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,695
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,331
−HK$645/mo
Today · 4.125%
HK$24,976
baseline
▲ 0.50% · 4.625%
HK$26,292
+HK$1,316/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,952/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,385
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,237
−HK$865/mo
Today · 4.125%
HK$29,102
baseline
▲ 0.50% · 4.625%
HK$30,873
+HK$1,771/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$58,204/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$200,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,465
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,283
−HK$828/mo
Today · 4.125%
HK$32,111
baseline
▲ 0.50% · 4.625%
HK$33,804
+HK$1,693/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$64,222/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$200,160 · 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).