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$16,281
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,788
−HK$514/mo
Today · 4.125%
HK$17,302
baseline
▲ 0.50% · 4.625%
HK$18,355
+HK$1,053/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,604/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,113
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,599
−HK$492/mo
Today · 4.125%
HK$19,091
baseline
▲ 0.50% · 4.625%
HK$20,098
+HK$1,007/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,182/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,538
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,145
−HK$618/mo
Today · 4.125%
HK$20,763
baseline
▲ 0.50% · 4.625%
HK$22,026
+HK$1,263/mo
Deposit HK$2.86M · loan HK$4.28M · min. income ≈ HK$41,526/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,735
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,318
−HK$592/mo
Today · 4.125%
HK$22,910
baseline
▲ 0.50% · 4.625%
HK$24,117
+HK$1,207/mo
Deposit HK$2.86M · loan HK$4.28M · min. income ≈ HK$45,820/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,794
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,503
−HK$720/mo
Today · 4.125%
HK$24,223
baseline
▲ 0.50% · 4.625%
HK$25,697
+HK$1,474/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,446/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,358
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,038
−HK$690/mo
Today · 4.125%
HK$26,728
baseline
▲ 0.50% · 4.625%
HK$28,137
+HK$1,409/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,456/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,306
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,218
−HK$926/mo
Today · 4.125%
HK$31,144
baseline
▲ 0.50% · 4.625%
HK$33,039
+HK$1,895/mo
Deposit HK$714K · loan HK$6.43M · min. income ≈ HK$62,288/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,603
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,478
−HK$887/mo
Today · 4.125%
HK$34,365
baseline
▲ 0.50% · 4.625%
HK$36,176
+HK$1,811/mo
Deposit HK$714K · loan HK$6.43M · min. income ≈ HK$68,730/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,205 · 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).