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$15,200
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,673
−HK$481/mo
Today · 4.125%
HK$16,154
baseline
▲ 0.50% · 4.625%
HK$17,136
+HK$982/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,308/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,910
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,364
−HK$460/mo
Today · 4.125%
HK$17,824
baseline
▲ 0.50% · 4.625%
HK$18,763
+HK$939/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,648/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,240
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,808
−HK$576/mo
Today · 4.125%
HK$19,384
baseline
▲ 0.50% · 4.625%
HK$20,564
+HK$1,180/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$38,768/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$199,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,292
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,836
−HK$553/mo
Today · 4.125%
HK$21,389
baseline
▲ 0.50% · 4.625%
HK$22,516
+HK$1,127/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$42,778/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$199,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,280
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,942
−HK$673/mo
Today · 4.125%
HK$22,615
baseline
▲ 0.50% · 4.625%
HK$23,991
+HK$1,376/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,230/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,674
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,309
−HK$644/mo
Today · 4.125%
HK$24,953
baseline
▲ 0.50% · 4.625%
HK$26,269
+HK$1,316/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,906/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,361
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,212
−HK$864/mo
Today · 4.125%
HK$29,076
baseline
▲ 0.50% · 4.625%
HK$30,846
+HK$1,770/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$58,152/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$199,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,438
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,255
−HK$828/mo
Today · 4.125%
HK$32,083
baseline
▲ 0.50% · 4.625%
HK$33,774
+HK$1,691/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$64,166/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$199,982 · 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).