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$16,282
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,789
−HK$514/mo
Today · 4.125%
HK$17,303
baseline
▲ 0.50% · 4.625%
HK$18,356
+HK$1,053/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,606/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,114
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,600
−HK$493/mo
Today · 4.125%
HK$19,093
baseline
▲ 0.50% · 4.625%
HK$20,099
+HK$1,006/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,186/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,539
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,147
−HK$617/mo
Today · 4.125%
HK$20,764
baseline
▲ 0.50% · 4.625%
HK$22,028
+HK$1,264/mo
Deposit HK$2.86M · loan HK$4.28M · min. income ≈ HK$41,528/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,737
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,320
−HK$591/mo
Today · 4.125%
HK$22,911
baseline
▲ 0.50% · 4.625%
HK$24,119
+HK$1,208/mo
Deposit HK$2.86M · loan HK$4.28M · min. income ≈ HK$45,822/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,795
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,504
−HK$721/mo
Today · 4.125%
HK$24,225
baseline
▲ 0.50% · 4.625%
HK$25,699
+HK$1,474/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,450/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,360
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,040
−HK$690/mo
Today · 4.125%
HK$26,730
baseline
▲ 0.50% · 4.625%
HK$28,139
+HK$1,409/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,460/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,308
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,220
−HK$926/mo
Today · 4.125%
HK$31,146
baseline
▲ 0.50% · 4.625%
HK$33,041
+HK$1,895/mo
Deposit HK$714K · loan HK$6.43M · min. income ≈ HK$62,292/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,605
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,480
−HK$887/mo
Today · 4.125%
HK$34,367
baseline
▲ 0.50% · 4.625%
HK$36,178
+HK$1,811/mo
Deposit HK$714K · loan HK$6.43M · min. income ≈ HK$68,734/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,218 · 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).