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$16,298
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,805
−HK$515/mo
Today · 4.125%
HK$17,320
baseline
▲ 0.50% · 4.625%
HK$18,374
+HK$1,054/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,640/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,131
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,618
−HK$493/mo
Today · 4.125%
HK$19,111
baseline
▲ 0.50% · 4.625%
HK$20,118
+HK$1,007/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,222/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,557
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,166
−HK$618/mo
Today · 4.125%
HK$20,784
baseline
▲ 0.50% · 4.625%
HK$22,049
+HK$1,265/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,568/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,758
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,341
−HK$592/mo
Today · 4.125%
HK$22,933
baseline
▲ 0.50% · 4.625%
HK$24,142
+HK$1,209/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,866/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,817
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,527
−HK$721/mo
Today · 4.125%
HK$24,248
baseline
▲ 0.50% · 4.625%
HK$25,723
+HK$1,475/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,496/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,384
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,065
−HK$690/mo
Today · 4.125%
HK$26,755
baseline
▲ 0.50% · 4.625%
HK$28,165
+HK$1,410/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,510/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,336
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,249
−HK$927/mo
Today · 4.125%
HK$31,176
baseline
▲ 0.50% · 4.625%
HK$33,073
+HK$1,897/mo
Deposit HK$715K · loan HK$6.43M · min. income ≈ HK$62,352/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,636
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,512
−HK$888/mo
Today · 4.125%
HK$34,400
baseline
▲ 0.50% · 4.625%
HK$36,213
+HK$1,813/mo
Deposit HK$715K · loan HK$6.43M · min. income ≈ HK$68,800/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,423 · 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).