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$15,190
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,663
−HK$480/mo
Today · 4.125%
HK$16,143
baseline
▲ 0.50% · 4.625%
HK$17,125
+HK$982/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,286/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,899
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,352
−HK$460/mo
Today · 4.125%
HK$17,812
baseline
▲ 0.50% · 4.625%
HK$18,751
+HK$939/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,624/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,228
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,795
−HK$576/mo
Today · 4.125%
HK$19,371
baseline
▲ 0.50% · 4.625%
HK$20,550
+HK$1,179/mo
Deposit HK$2.66M · loan HK$4.00M · min. income ≈ HK$38,742/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,279
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,822
−HK$552/mo
Today · 4.125%
HK$21,374
baseline
▲ 0.50% · 4.625%
HK$22,501
+HK$1,127/mo
Deposit HK$2.66M · loan HK$4.00M · min. income ≈ HK$42,748/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,266
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,928
−HK$672/mo
Today · 4.125%
HK$22,600
baseline
▲ 0.50% · 4.625%
HK$23,975
+HK$1,375/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,200/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,658
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,293
−HK$644/mo
Today · 4.125%
HK$24,937
baseline
▲ 0.50% · 4.625%
HK$26,251
+HK$1,314/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,874/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,342
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,193
−HK$864/mo
Today · 4.125%
HK$29,057
baseline
▲ 0.50% · 4.625%
HK$30,825
+HK$1,768/mo
Deposit HK$666K · loan HK$6.00M · min. income ≈ HK$58,114/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,418
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,234
−HK$827/mo
Today · 4.125%
HK$32,061
baseline
▲ 0.50% · 4.625%
HK$33,751
+HK$1,690/mo
Deposit HK$666K · loan HK$6.00M · min. income ≈ HK$64,122/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,848 · 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).