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$953/mo
▼ 0.25% · 3.875%
HK$15,676
−HK$480/mo
Today · 4.125%
HK$16,156
baseline
▲ 0.50% · 4.625%
HK$17,139
+HK$983/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,312/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$200,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,913
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,366
−HK$461/mo
Today · 4.125%
HK$17,827
baseline
▲ 0.50% · 4.625%
HK$18,766
+HK$939/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$200,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,243
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,811
−HK$576/mo
Today · 4.125%
HK$19,387
baseline
▲ 0.50% · 4.625%
HK$20,567
+HK$1,180/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$38,774/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,295
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,840
−HK$552/mo
Today · 4.125%
HK$21,392
baseline
▲ 0.50% · 4.625%
HK$22,520
+HK$1,128/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$42,784/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,284
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,946
−HK$672/mo
Today · 4.125%
HK$22,618
baseline
▲ 0.50% · 4.625%
HK$23,995
+HK$1,377/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,236/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,678
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,313
−HK$644/mo
Today · 4.125%
HK$24,957
baseline
▲ 0.50% · 4.625%
HK$26,273
+HK$1,316/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,914/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,365
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,216
−HK$865/mo
Today · 4.125%
HK$29,081
baseline
▲ 0.50% · 4.625%
HK$30,850
+HK$1,769/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$58,162/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$200,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,443
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,260
−HK$828/mo
Today · 4.125%
HK$32,088
baseline
▲ 0.50% · 4.625%
HK$33,779
+HK$1,691/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$64,176/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$200,013 · 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).