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$16,284
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,790
−HK$515/mo
Today · 4.125%
HK$17,305
baseline
▲ 0.50% · 4.625%
HK$18,358
+HK$1,053/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,610/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,115
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,601
−HK$493/mo
Today · 4.125%
HK$19,094
baseline
▲ 0.50% · 4.625%
HK$20,101
+HK$1,007/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,188/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,540
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,148
−HK$618/mo
Today · 4.125%
HK$20,766
baseline
▲ 0.50% · 4.625%
HK$22,029
+HK$1,263/mo
Deposit HK$2.86M · loan HK$4.28M · min. income ≈ HK$41,532/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,739
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,322
−HK$591/mo
Today · 4.125%
HK$22,913
baseline
▲ 0.50% · 4.625%
HK$24,121
+HK$1,208/mo
Deposit HK$2.86M · loan HK$4.28M · min. income ≈ HK$45,826/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,797
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,506
−HK$721/mo
Today · 4.125%
HK$24,227
baseline
▲ 0.50% · 4.625%
HK$25,701
+HK$1,474/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,454/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,362
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,042
−HK$690/mo
Today · 4.125%
HK$26,732
baseline
▲ 0.50% · 4.625%
HK$28,141
+HK$1,409/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,464/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,311
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,222
−HK$927/mo
Today · 4.125%
HK$31,149
baseline
▲ 0.50% · 4.625%
HK$33,044
+HK$1,895/mo
Deposit HK$714K · loan HK$6.43M · min. income ≈ HK$62,298/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,608
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,482
−HK$888/mo
Today · 4.125%
HK$34,370
baseline
▲ 0.50% · 4.625%
HK$36,181
+HK$1,811/mo
Deposit HK$714K · loan HK$6.43M · min. income ≈ HK$68,740/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,236 · 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).