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$15,196
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,669
−HK$480/mo
Today · 4.125%
HK$16,149
baseline
▲ 0.50% · 4.625%
HK$17,132
+HK$983/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,298/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,906
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,359
−HK$460/mo
Today · 4.125%
HK$17,819
baseline
▲ 0.50% · 4.625%
HK$18,758
+HK$939/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,638/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,236
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,803
−HK$576/mo
Today · 4.125%
HK$19,379
baseline
▲ 0.50% · 4.625%
HK$20,558
+HK$1,179/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$38,758/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$199,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,287
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,831
−HK$552/mo
Today · 4.125%
HK$21,383
baseline
▲ 0.50% · 4.625%
HK$22,510
+HK$1,127/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$42,766/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$199,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,275
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,937
−HK$672/mo
Today · 4.125%
HK$22,609
baseline
▲ 0.50% · 4.625%
HK$23,985
+HK$1,376/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,218/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,668
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,303
−HK$644/mo
Today · 4.125%
HK$24,947
baseline
▲ 0.50% · 4.625%
HK$26,262
+HK$1,315/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,894/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,353
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,204
−HK$865/mo
Today · 4.125%
HK$29,069
baseline
▲ 0.50% · 4.625%
HK$30,838
+HK$1,769/mo
Deposit HK$666K · loan HK$6.00M · min. income ≈ HK$58,138/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,430
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,247
−HK$828/mo
Today · 4.125%
HK$32,075
baseline
▲ 0.50% · 4.625%
HK$33,765
+HK$1,690/mo
Deposit HK$666K · loan HK$6.00M · min. income ≈ HK$64,150/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,930 · 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).