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$15,203
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,676
−HK$481/mo
Today · 4.125%
HK$16,157
baseline
▲ 0.50% · 4.625%
HK$17,140
+HK$983/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,314/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$200,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,913
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,367
−HK$460/mo
Today · 4.125%
HK$17,827
baseline
▲ 0.50% · 4.625%
HK$18,767
+HK$940/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,654/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$200,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,244
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,811
−HK$577/mo
Today · 4.125%
HK$19,388
baseline
▲ 0.50% · 4.625%
HK$20,568
+HK$1,180/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$38,776/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,296
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,840
−HK$553/mo
Today · 4.125%
HK$21,393
baseline
▲ 0.50% · 4.625%
HK$22,520
+HK$1,127/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$42,786/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,285
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,947
−HK$672/mo
Today · 4.125%
HK$22,619
baseline
▲ 0.50% · 4.625%
HK$23,996
+HK$1,377/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,238/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,679
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,314
−HK$644/mo
Today · 4.125%
HK$24,958
baseline
▲ 0.50% · 4.625%
HK$26,274
+HK$1,316/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,916/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,366
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,217
−HK$865/mo
Today · 4.125%
HK$29,082
baseline
▲ 0.50% · 4.625%
HK$30,851
+HK$1,769/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$58,164/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$200,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,444
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,261
−HK$828/mo
Today · 4.125%
HK$32,089
baseline
▲ 0.50% · 4.625%
HK$33,780
+HK$1,691/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$64,178/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$200,021 · 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).