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$16,299
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,806
−HK$515/mo
Today · 4.125%
HK$17,321
baseline
▲ 0.50% · 4.625%
HK$18,375
+HK$1,054/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,642/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,133
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,619
−HK$493/mo
Today · 4.125%
HK$19,112
baseline
▲ 0.50% · 4.625%
HK$20,120
+HK$1,008/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,224/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,559
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,167
−HK$618/mo
Today · 4.125%
HK$20,785
baseline
▲ 0.50% · 4.625%
HK$22,050
+HK$1,265/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,570/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,759
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,343
−HK$592/mo
Today · 4.125%
HK$22,935
baseline
▲ 0.50% · 4.625%
HK$24,144
+HK$1,209/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,870/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,819
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,529
−HK$721/mo
Today · 4.125%
HK$24,250
baseline
▲ 0.50% · 4.625%
HK$25,725
+HK$1,475/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,500/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,386
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,066
−HK$691/mo
Today · 4.125%
HK$26,757
baseline
▲ 0.50% · 4.625%
HK$28,167
+HK$1,410/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,514/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,338
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,251
−HK$927/mo
Today · 4.125%
HK$31,178
baseline
▲ 0.50% · 4.625%
HK$33,075
+HK$1,897/mo
Deposit HK$715K · loan HK$6.43M · min. income ≈ HK$62,356/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,639
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,514
−HK$888/mo
Today · 4.125%
HK$34,402
baseline
▲ 0.50% · 4.625%
HK$36,215
+HK$1,813/mo
Deposit HK$715K · loan HK$6.43M · min. income ≈ HK$68,804/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,438 · 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).