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$15,192
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,664
−HK$480/mo
Today · 4.125%
HK$16,144
baseline
▲ 0.50% · 4.625%
HK$17,126
+HK$982/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,288/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,900
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,354
−HK$459/mo
Today · 4.125%
HK$17,813
baseline
▲ 0.50% · 4.625%
HK$18,752
+HK$939/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,626/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,230
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,797
−HK$576/mo
Today · 4.125%
HK$19,373
baseline
▲ 0.50% · 4.625%
HK$20,552
+HK$1,179/mo
Deposit HK$2.66M · loan HK$4.00M · min. income ≈ HK$38,746/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,280
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,824
−HK$552/mo
Today · 4.125%
HK$21,376
baseline
▲ 0.50% · 4.625%
HK$22,503
+HK$1,127/mo
Deposit HK$2.66M · loan HK$4.00M · min. income ≈ HK$42,752/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,268
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,930
−HK$672/mo
Today · 4.125%
HK$22,602
baseline
▲ 0.50% · 4.625%
HK$23,977
+HK$1,375/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,204/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,661
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,295
−HK$644/mo
Today · 4.125%
HK$24,939
baseline
▲ 0.50% · 4.625%
HK$26,253
+HK$1,314/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,878/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,345
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,195
−HK$864/mo
Today · 4.125%
HK$29,059
baseline
▲ 0.50% · 4.625%
HK$30,828
+HK$1,769/mo
Deposit HK$666K · loan HK$6.00M · min. income ≈ HK$58,118/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,421
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,237
−HK$827/mo
Today · 4.125%
HK$32,064
baseline
▲ 0.50% · 4.625%
HK$33,754
+HK$1,690/mo
Deposit HK$666K · loan HK$6.00M · min. income ≈ HK$64,128/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,866 · 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).