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$15,190
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,662
−HK$480/mo
Today · 4.125%
HK$16,142
baseline
▲ 0.50% · 4.625%
HK$17,125
+HK$983/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,284/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,899
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,352
−HK$460/mo
Today · 4.125%
HK$17,812
baseline
▲ 0.50% · 4.625%
HK$18,750
+HK$938/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,624/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,228
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,795
−HK$576/mo
Today · 4.125%
HK$19,371
baseline
▲ 0.50% · 4.625%
HK$20,550
+HK$1,179/mo
Deposit HK$2.66M · loan HK$4.00M · min. income ≈ HK$38,742/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,278
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,822
−HK$552/mo
Today · 4.125%
HK$21,374
baseline
▲ 0.50% · 4.625%
HK$22,501
+HK$1,127/mo
Deposit HK$2.66M · loan HK$4.00M · min. income ≈ HK$42,748/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,266
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,927
−HK$672/mo
Today · 4.125%
HK$22,599
baseline
▲ 0.50% · 4.625%
HK$23,975
+HK$1,376/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,198/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,658
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,293
−HK$643/mo
Today · 4.125%
HK$24,936
baseline
▲ 0.50% · 4.625%
HK$26,251
+HK$1,315/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,872/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,342
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,192
−HK$864/mo
Today · 4.125%
HK$29,056
baseline
▲ 0.50% · 4.625%
HK$30,824
+HK$1,768/mo
Deposit HK$666K · loan HK$6.00M · min. income ≈ HK$58,112/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,417
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,233
−HK$828/mo
Today · 4.125%
HK$32,061
baseline
▲ 0.50% · 4.625%
HK$33,751
+HK$1,690/mo
Deposit HK$666K · loan HK$6.00M · min. income ≈ HK$64,122/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,845 · 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).