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$16,272
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,778
−HK$514/mo
Today · 4.125%
HK$17,292
baseline
▲ 0.50% · 4.625%
HK$18,345
+HK$1,053/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,584/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,102
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,588
−HK$492/mo
Today · 4.125%
HK$19,080
baseline
▲ 0.50% · 4.625%
HK$20,086
+HK$1,006/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,160/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,526
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,134
−HK$617/mo
Today · 4.125%
HK$20,751
baseline
▲ 0.50% · 4.625%
HK$22,014
+HK$1,263/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,502/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,723
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,306
−HK$591/mo
Today · 4.125%
HK$22,897
baseline
▲ 0.50% · 4.625%
HK$24,103
+HK$1,206/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,794/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,781
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,489
−HK$720/mo
Today · 4.125%
HK$24,209
baseline
▲ 0.50% · 4.625%
HK$25,682
+HK$1,473/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,418/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$214,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,343
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,023
−HK$690/mo
Today · 4.125%
HK$26,713
baseline
▲ 0.50% · 4.625%
HK$28,121
+HK$1,408/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,426/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$214,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,290
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,201
−HK$925/mo
Today · 4.125%
HK$31,126
baseline
▲ 0.50% · 4.625%
HK$33,020
+HK$1,894/mo
Deposit HK$714K · loan HK$6.42M · min. income ≈ HK$62,252/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,584
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,458
−HK$887/mo
Today · 4.125%
HK$34,345
baseline
▲ 0.50% · 4.625%
HK$36,155
+HK$1,810/mo
Deposit HK$714K · loan HK$6.42M · min. income ≈ HK$68,690/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,082 · 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).