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$16,292
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,799
−HK$514/mo
Today · 4.125%
HK$17,313
baseline
▲ 0.50% · 4.625%
HK$18,367
+HK$1,054/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,626/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,124
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,611
−HK$493/mo
Today · 4.125%
HK$19,104
baseline
▲ 0.50% · 4.625%
HK$20,111
+HK$1,007/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,208/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,550
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,158
−HK$618/mo
Today · 4.125%
HK$20,776
baseline
▲ 0.50% · 4.625%
HK$22,040
+HK$1,264/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,552/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,749
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,333
−HK$591/mo
Today · 4.125%
HK$22,924
baseline
▲ 0.50% · 4.625%
HK$24,133
+HK$1,209/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,848/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,808
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,518
−HK$721/mo
Today · 4.125%
HK$24,239
baseline
▲ 0.50% · 4.625%
HK$25,714
+HK$1,475/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,478/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,374
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,055
−HK$690/mo
Today · 4.125%
HK$26,745
baseline
▲ 0.50% · 4.625%
HK$28,155
+HK$1,410/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,490/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,325
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,237
−HK$927/mo
Today · 4.125%
HK$31,164
baseline
▲ 0.50% · 4.625%
HK$33,060
+HK$1,896/mo
Deposit HK$714K · loan HK$6.43M · min. income ≈ HK$62,328/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,624
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,499
−HK$888/mo
Today · 4.125%
HK$34,387
baseline
▲ 0.50% · 4.625%
HK$36,199
+HK$1,812/mo
Deposit HK$714K · loan HK$6.43M · min. income ≈ HK$68,774/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,342 · 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).