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$16,289
−HK$1,022/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$214,308 · 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$20,107
+HK$1,006/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$214,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,547
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,155
−HK$618/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$214,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,746
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,329
−HK$592/mo
Today · 4.125%
HK$22,921
baseline
▲ 0.50% · 4.625%
HK$24,129
+HK$1,208/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$214,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,805
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,514
−HK$721/mo
Today · 4.125%
HK$24,235
baseline
▲ 0.50% · 4.625%
HK$25,710
+HK$1,475/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,470/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,370
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,051
−HK$690/mo
Today · 4.125%
HK$26,741
baseline
▲ 0.50% · 4.625%
HK$28,150
+HK$1,409/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,482/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,321
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,233
−HK$926/mo
Today · 4.125%
HK$31,159
baseline
▲ 0.50% · 4.625%
HK$33,055
+HK$1,896/mo
Deposit HK$714K · loan HK$6.43M · min. income ≈ HK$62,318/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,619
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,494
−HK$887/mo
Today · 4.125%
HK$34,381
baseline
▲ 0.50% · 4.625%
HK$36,193
+HK$1,812/mo
Deposit HK$714K · loan HK$6.43M · min. income ≈ HK$68,762/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,308 · 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).