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$16,288
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,794
−HK$515/mo
Today · 4.125%
HK$17,309
baseline
▲ 0.50% · 4.625%
HK$18,362
+HK$1,053/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,618/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,120
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,606
−HK$493/mo
Today · 4.125%
HK$19,099
baseline
▲ 0.50% · 4.625%
HK$20,106
+HK$1,007/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,198/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,545
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,153
−HK$618/mo
Today · 4.125%
HK$20,771
baseline
▲ 0.50% · 4.625%
HK$22,035
+HK$1,264/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,542/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,744
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,327
−HK$592/mo
Today · 4.125%
HK$22,919
baseline
▲ 0.50% · 4.625%
HK$24,127
+HK$1,208/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,838/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,803
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,512
−HK$721/mo
Today · 4.125%
HK$24,233
baseline
▲ 0.50% · 4.625%
HK$25,707
+HK$1,474/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,466/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,368
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,048
−HK$690/mo
Today · 4.125%
HK$26,738
baseline
▲ 0.50% · 4.625%
HK$28,148
+HK$1,410/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,476/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,318
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,230
−HK$926/mo
Today · 4.125%
HK$31,156
baseline
▲ 0.50% · 4.625%
HK$33,052
+HK$1,896/mo
Deposit HK$714K · loan HK$6.43M · min. income ≈ HK$62,312/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,616
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,491
−HK$887/mo
Today · 4.125%
HK$34,378
baseline
▲ 0.50% · 4.625%
HK$36,190
+HK$1,812/mo
Deposit HK$714K · loan HK$6.43M · min. income ≈ HK$68,756/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,289 · 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).