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$15,189
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,662
−HK$480/mo
Today · 4.125%
HK$16,142
baseline
▲ 0.50% · 4.625%
HK$17,124
+HK$982/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,284/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,898
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,351
−HK$460/mo
Today · 4.125%
HK$17,811
baseline
▲ 0.50% · 4.625%
HK$18,749
+HK$938/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,622/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,227
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,794
−HK$576/mo
Today · 4.125%
HK$19,370
baseline
▲ 0.50% · 4.625%
HK$20,548
+HK$1,178/mo
Deposit HK$2.66M · loan HK$4.00M · min. income ≈ HK$38,740/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,277
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,821
−HK$552/mo
Today · 4.125%
HK$21,373
baseline
▲ 0.50% · 4.625%
HK$22,499
+HK$1,126/mo
Deposit HK$2.66M · loan HK$4.00M · min. income ≈ HK$42,746/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,265
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,926
−HK$672/mo
Today · 4.125%
HK$22,598
baseline
▲ 0.50% · 4.625%
HK$23,973
+HK$1,375/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,196/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,657
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,291
−HK$644/mo
Today · 4.125%
HK$24,935
baseline
▲ 0.50% · 4.625%
HK$26,249
+HK$1,314/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,870/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,340
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,191
−HK$864/mo
Today · 4.125%
HK$29,055
baseline
▲ 0.50% · 4.625%
HK$30,823
+HK$1,768/mo
Deposit HK$666K · loan HK$6.00M · min. income ≈ HK$58,110/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,416
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,232
−HK$827/mo
Today · 4.125%
HK$32,059
baseline
▲ 0.50% · 4.625%
HK$33,749
+HK$1,690/mo
Deposit HK$666K · loan HK$6.00M · min. income ≈ HK$64,118/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,834 · 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).