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$15,209
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,682
−HK$481/mo
Today · 4.125%
HK$16,163
baseline
▲ 0.50% · 4.625%
HK$17,146
+HK$983/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,326/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,920
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,374
−HK$460/mo
Today · 4.125%
HK$17,834
baseline
▲ 0.50% · 4.625%
HK$18,774
+HK$940/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,668/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,251
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,819
−HK$576/mo
Today · 4.125%
HK$19,395
baseline
▲ 0.50% · 4.625%
HK$20,576
+HK$1,181/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$38,790/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,304
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,848
−HK$553/mo
Today · 4.125%
HK$21,401
baseline
▲ 0.50% · 4.625%
HK$22,529
+HK$1,128/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$42,802/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,293
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,955
−HK$673/mo
Today · 4.125%
HK$22,628
baseline
▲ 0.50% · 4.625%
HK$24,005
+HK$1,377/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,256/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,688
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,323
−HK$645/mo
Today · 4.125%
HK$24,968
baseline
▲ 0.50% · 4.625%
HK$26,284
+HK$1,316/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,936/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,376
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,228
−HK$865/mo
Today · 4.125%
HK$29,093
baseline
▲ 0.50% · 4.625%
HK$30,863
+HK$1,770/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$58,186/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$200,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,456
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,273
−HK$828/mo
Today · 4.125%
HK$32,101
baseline
▲ 0.50% · 4.625%
HK$33,793
+HK$1,692/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$64,202/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$200,097 · 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).