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$15,202
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,675
−HK$480/mo
Today · 4.125%
HK$16,155
baseline
▲ 0.50% · 4.625%
HK$17,138
+HK$983/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,310/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$200,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,912
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,365
−HK$461/mo
Today · 4.125%
HK$17,826
baseline
▲ 0.50% · 4.625%
HK$18,765
+HK$939/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,652/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$200,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,242
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,810
−HK$576/mo
Today · 4.125%
HK$19,386
baseline
▲ 0.50% · 4.625%
HK$20,566
+HK$1,180/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$38,772/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,294
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,838
−HK$553/mo
Today · 4.125%
HK$21,391
baseline
▲ 0.50% · 4.625%
HK$22,518
+HK$1,127/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$42,782/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,282
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,944
−HK$673/mo
Today · 4.125%
HK$22,617
baseline
▲ 0.50% · 4.625%
HK$23,993
+HK$1,376/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,234/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,677
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,312
−HK$644/mo
Today · 4.125%
HK$24,956
baseline
▲ 0.50% · 4.625%
HK$26,271
+HK$1,315/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,912/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,363
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,214
−HK$865/mo
Today · 4.125%
HK$29,079
baseline
▲ 0.50% · 4.625%
HK$30,849
+HK$1,770/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$58,158/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$200,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,441
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,258
−HK$828/mo
Today · 4.125%
HK$32,086
baseline
▲ 0.50% · 4.625%
HK$33,777
+HK$1,691/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$64,172/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$200,001 · 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).