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$15,201
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,674
−HK$480/mo
Today · 4.125%
HK$16,154
baseline
▲ 0.50% · 4.625%
HK$17,137
+HK$983/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$199,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,911
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,364
−HK$461/mo
Today · 4.125%
HK$17,825
baseline
▲ 0.50% · 4.625%
HK$18,764
+HK$939/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,650/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,241
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,808
−HK$577/mo
Today · 4.125%
HK$19,385
baseline
▲ 0.50% · 4.625%
HK$20,564
+HK$1,179/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$38,770/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$199,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,293
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,837
−HK$552/mo
Today · 4.125%
HK$21,389
baseline
▲ 0.50% · 4.625%
HK$22,517
+HK$1,128/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$199,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,281
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,943
−HK$673/mo
Today · 4.125%
HK$22,616
baseline
▲ 0.50% · 4.625%
HK$23,992
+HK$1,376/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,232/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,675
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,310
−HK$644/mo
Today · 4.125%
HK$24,954
baseline
▲ 0.50% · 4.625%
HK$26,270
+HK$1,316/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,908/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,362
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,213
−HK$864/mo
Today · 4.125%
HK$29,077
baseline
▲ 0.50% · 4.625%
HK$30,847
+HK$1,770/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$58,154/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$199,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,440
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,256
−HK$828/mo
Today · 4.125%
HK$32,084
baseline
▲ 0.50% · 4.625%
HK$33,775
+HK$1,691/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$64,168/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$199,990 · 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).