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$16,290
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,796
−HK$515/mo
Today · 4.125%
HK$17,311
baseline
▲ 0.50% · 4.625%
HK$18,364
+HK$1,053/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,622/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,122
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,608
−HK$493/mo
Today · 4.125%
HK$19,101
baseline
▲ 0.50% · 4.625%
HK$20,108
+HK$1,007/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,202/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,548
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,156
−HK$617/mo
Today · 4.125%
HK$20,773
baseline
▲ 0.50% · 4.625%
HK$22,037
+HK$1,264/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,546/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,746
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,330
−HK$591/mo
Today · 4.125%
HK$22,921
baseline
▲ 0.50% · 4.625%
HK$24,130
+HK$1,209/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,842/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,805
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,515
−HK$721/mo
Today · 4.125%
HK$24,236
baseline
▲ 0.50% · 4.625%
HK$25,710
+HK$1,474/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,472/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,371
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,051
−HK$691/mo
Today · 4.125%
HK$26,742
baseline
▲ 0.50% · 4.625%
HK$28,151
+HK$1,409/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,484/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,321
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,233
−HK$927/mo
Today · 4.125%
HK$31,160
baseline
▲ 0.50% · 4.625%
HK$33,056
+HK$1,896/mo
Deposit HK$714K · loan HK$6.43M · min. income ≈ HK$62,320/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,620
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,494
−HK$888/mo
Today · 4.125%
HK$34,382
baseline
▲ 0.50% · 4.625%
HK$36,194
+HK$1,812/mo
Deposit HK$714K · loan HK$6.43M · min. income ≈ HK$68,764/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,313 · 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).