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$16,271
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,777
−HK$515/mo
Today · 4.125%
HK$17,292
baseline
▲ 0.50% · 4.625%
HK$18,344
+HK$1,052/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,584/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,102
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,587
−HK$493/mo
Today · 4.125%
HK$19,080
baseline
▲ 0.50% · 4.625%
HK$20,085
+HK$1,005/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,160/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,526
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,133
−HK$617/mo
Today · 4.125%
HK$20,750
baseline
▲ 0.50% · 4.625%
HK$22,013
+HK$1,263/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,500/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,722
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,305
−HK$591/mo
Today · 4.125%
HK$22,896
baseline
▲ 0.50% · 4.625%
HK$24,102
+HK$1,206/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,792/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,780
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,488
−HK$720/mo
Today · 4.125%
HK$24,208
baseline
▲ 0.50% · 4.625%
HK$25,681
+HK$1,473/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,416/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$214,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,342
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,022
−HK$689/mo
Today · 4.125%
HK$26,711
baseline
▲ 0.50% · 4.625%
HK$28,119
+HK$1,408/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,422/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$214,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,288
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,199
−HK$926/mo
Today · 4.125%
HK$31,125
baseline
▲ 0.50% · 4.625%
HK$33,019
+HK$1,894/mo
Deposit HK$714K · loan HK$6.42M · min. income ≈ HK$62,250/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,583
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,457
−HK$886/mo
Today · 4.125%
HK$34,343
baseline
▲ 0.50% · 4.625%
HK$36,154
+HK$1,811/mo
Deposit HK$714K · loan HK$6.42M · min. income ≈ HK$68,686/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,072 · 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).