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$15,209
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,682
−HK$480/mo
Today · 4.125%
HK$16,162
baseline
▲ 0.50% · 4.625%
HK$17,146
+HK$984/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,324/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$200,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,919
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,373
−HK$461/mo
Today · 4.125%
HK$17,834
baseline
▲ 0.50% · 4.625%
HK$18,774
+HK$940/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,668/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$200,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,250
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,818
−HK$577/mo
Today · 4.125%
HK$19,395
baseline
▲ 0.50% · 4.625%
HK$20,575
+HK$1,180/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$38,790/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,303
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,848
−HK$552/mo
Today · 4.125%
HK$21,400
baseline
▲ 0.50% · 4.625%
HK$22,528
+HK$1,128/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$42,800/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,292
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,954
−HK$673/mo
Today · 4.125%
HK$22,627
baseline
▲ 0.50% · 4.625%
HK$24,004
+HK$1,377/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,254/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,687
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,322
−HK$645/mo
Today · 4.125%
HK$24,967
baseline
▲ 0.50% · 4.625%
HK$26,283
+HK$1,316/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,934/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,375
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,227
−HK$865/mo
Today · 4.125%
HK$29,092
baseline
▲ 0.50% · 4.625%
HK$30,862
+HK$1,770/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$58,184/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$200,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,455
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,272
−HK$828/mo
Today · 4.125%
HK$32,100
baseline
▲ 0.50% · 4.625%
HK$33,792
+HK$1,692/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$64,200/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$200,091 · 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).