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$15,210
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,683
−HK$481/mo
Today · 4.125%
HK$16,164
baseline
▲ 0.50% · 4.625%
HK$17,148
+HK$984/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,328/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,921
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,375
−HK$460/mo
Today · 4.125%
HK$17,835
baseline
▲ 0.50% · 4.625%
HK$18,775
+HK$940/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,670/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,252
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,820
−HK$577/mo
Today · 4.125%
HK$19,397
baseline
▲ 0.50% · 4.625%
HK$20,577
+HK$1,180/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$38,794/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,305
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,850
−HK$552/mo
Today · 4.125%
HK$21,402
baseline
▲ 0.50% · 4.625%
HK$22,531
+HK$1,129/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$42,804/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,294
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,957
−HK$673/mo
Today · 4.125%
HK$22,630
baseline
▲ 0.50% · 4.625%
HK$24,007
+HK$1,377/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,260/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,690
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,325
−HK$645/mo
Today · 4.125%
HK$24,970
baseline
▲ 0.50% · 4.625%
HK$26,286
+HK$1,316/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,940/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,378
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,230
−HK$865/mo
Today · 4.125%
HK$29,095
baseline
▲ 0.50% · 4.625%
HK$30,866
+HK$1,771/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$58,190/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$200,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,458
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,275
−HK$829/mo
Today · 4.125%
HK$32,104
baseline
▲ 0.50% · 4.625%
HK$33,796
+HK$1,692/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$64,208/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$200,112 · 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).