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$15,195
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,668
−HK$480/mo
Today · 4.125%
HK$16,148
baseline
▲ 0.50% · 4.625%
HK$17,131
+HK$983/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,296/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,905
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,358
−HK$460/mo
Today · 4.125%
HK$17,818
baseline
▲ 0.50% · 4.625%
HK$18,757
+HK$939/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,636/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,234
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,802
−HK$576/mo
Today · 4.125%
HK$19,378
baseline
▲ 0.50% · 4.625%
HK$20,557
+HK$1,179/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$38,756/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$199,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,286
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,830
−HK$552/mo
Today · 4.125%
HK$21,382
baseline
▲ 0.50% · 4.625%
HK$22,509
+HK$1,127/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$42,764/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$199,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,274
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,935
−HK$673/mo
Today · 4.125%
HK$22,608
baseline
▲ 0.50% · 4.625%
HK$23,983
+HK$1,375/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,216/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,667
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,301
−HK$644/mo
Today · 4.125%
HK$24,945
baseline
▲ 0.50% · 4.625%
HK$26,260
+HK$1,315/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,890/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,352
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,202
−HK$865/mo
Today · 4.125%
HK$29,067
baseline
▲ 0.50% · 4.625%
HK$30,836
+HK$1,769/mo
Deposit HK$666K · loan HK$6.00M · min. income ≈ HK$58,134/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,428
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,245
−HK$827/mo
Today · 4.125%
HK$32,072
baseline
▲ 0.50% · 4.625%
HK$33,763
+HK$1,691/mo
Deposit HK$666K · loan HK$6.00M · min. income ≈ HK$64,144/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,917 · 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).