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$16,273
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,779
−HK$514/mo
Today · 4.125%
HK$17,293
baseline
▲ 0.50% · 4.625%
HK$18,345
+HK$1,052/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,586/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,103
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,589
−HK$492/mo
Today · 4.125%
HK$19,081
baseline
▲ 0.50% · 4.625%
HK$20,087
+HK$1,006/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,162/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,527
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,134
−HK$618/mo
Today · 4.125%
HK$20,752
baseline
▲ 0.50% · 4.625%
HK$22,014
+HK$1,262/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,504/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,724
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,306
−HK$591/mo
Today · 4.125%
HK$22,897
baseline
▲ 0.50% · 4.625%
HK$24,104
+HK$1,207/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$214,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,782
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,490
−HK$720/mo
Today · 4.125%
HK$24,210
baseline
▲ 0.50% · 4.625%
HK$25,683
+HK$1,473/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,420/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$214,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,344
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,024
−HK$689/mo
Today · 4.125%
HK$26,713
baseline
▲ 0.50% · 4.625%
HK$28,122
+HK$1,409/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$214,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,291
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,202
−HK$925/mo
Today · 4.125%
HK$31,127
baseline
▲ 0.50% · 4.625%
HK$33,021
+HK$1,894/mo
Deposit HK$714K · loan HK$6.42M · min. income ≈ HK$62,254/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,585
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,459
−HK$887/mo
Today · 4.125%
HK$34,346
baseline
▲ 0.50% · 4.625%
HK$36,156
+HK$1,810/mo
Deposit HK$714K · loan HK$6.42M · min. income ≈ HK$68,692/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,088 · 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).