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$16,275
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,781
−HK$514/mo
Today · 4.125%
HK$17,295
baseline
▲ 0.50% · 4.625%
HK$18,348
+HK$1,053/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,590/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,106
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,591
−HK$493/mo
Today · 4.125%
HK$19,084
baseline
▲ 0.50% · 4.625%
HK$20,090
+HK$1,006/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,168/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,530
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,137
−HK$618/mo
Today · 4.125%
HK$20,755
baseline
▲ 0.50% · 4.625%
HK$22,017
+HK$1,262/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,510/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,727
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,309
−HK$592/mo
Today · 4.125%
HK$22,901
baseline
▲ 0.50% · 4.625%
HK$24,108
+HK$1,207/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,802/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,785
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,494
−HK$720/mo
Today · 4.125%
HK$24,214
baseline
▲ 0.50% · 4.625%
HK$25,687
+HK$1,473/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,428/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,348
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,028
−HK$689/mo
Today · 4.125%
HK$26,717
baseline
▲ 0.50% · 4.625%
HK$28,126
+HK$1,409/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,434/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,295
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,206
−HK$926/mo
Today · 4.125%
HK$31,132
baseline
▲ 0.50% · 4.625%
HK$33,026
+HK$1,894/mo
Deposit HK$714K · loan HK$6.42M · min. income ≈ HK$62,264/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,590
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,464
−HK$887/mo
Today · 4.125%
HK$34,351
baseline
▲ 0.50% · 4.625%
HK$36,162
+HK$1,811/mo
Deposit HK$714K · loan HK$6.42M · min. income ≈ HK$68,702/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,120 · 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).