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$16,301
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,808
−HK$515/mo
Today · 4.125%
HK$17,323
baseline
▲ 0.50% · 4.625%
HK$18,377
+HK$1,054/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,646/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,134
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,621
−HK$493/mo
Today · 4.125%
HK$19,114
baseline
▲ 0.50% · 4.625%
HK$20,121
+HK$1,007/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,228/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,561
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,169
−HK$618/mo
Today · 4.125%
HK$20,787
baseline
▲ 0.50% · 4.625%
HK$22,052
+HK$1,265/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,574/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,761
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,345
−HK$592/mo
Today · 4.125%
HK$22,937
baseline
▲ 0.50% · 4.625%
HK$24,146
+HK$1,209/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,874/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,821
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,531
−HK$721/mo
Today · 4.125%
HK$24,252
baseline
▲ 0.50% · 4.625%
HK$25,728
+HK$1,476/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,504/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,388
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,069
−HK$691/mo
Today · 4.125%
HK$26,760
baseline
▲ 0.50% · 4.625%
HK$28,170
+HK$1,410/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,520/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,341
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,254
−HK$927/mo
Today · 4.125%
HK$31,181
baseline
▲ 0.50% · 4.625%
HK$33,078
+HK$1,897/mo
Deposit HK$715K · loan HK$6.43M · min. income ≈ HK$62,362/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,642
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,517
−HK$888/mo
Today · 4.125%
HK$34,405
baseline
▲ 0.50% · 4.625%
HK$36,219
+HK$1,814/mo
Deposit HK$715K · loan HK$6.43M · min. income ≈ HK$68,810/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,457 · 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).