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$16,274
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,780
−HK$515/mo
Today · 4.125%
HK$17,295
baseline
▲ 0.50% · 4.625%
HK$18,347
+HK$1,052/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,590/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,105
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,591
−HK$492/mo
Today · 4.125%
HK$19,083
baseline
▲ 0.50% · 4.625%
HK$20,089
+HK$1,006/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,166/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,529
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,137
−HK$617/mo
Today · 4.125%
HK$20,754
baseline
▲ 0.50% · 4.625%
HK$22,017
+HK$1,263/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,508/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,726
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,309
−HK$591/mo
Today · 4.125%
HK$22,900
baseline
▲ 0.50% · 4.625%
HK$24,107
+HK$1,207/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,800/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,784
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,493
−HK$720/mo
Today · 4.125%
HK$24,213
baseline
▲ 0.50% · 4.625%
HK$25,686
+HK$1,473/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,426/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,347
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,027
−HK$689/mo
Today · 4.125%
HK$26,716
baseline
▲ 0.50% · 4.625%
HK$28,125
+HK$1,409/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,432/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,294
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,205
−HK$926/mo
Today · 4.125%
HK$31,131
baseline
▲ 0.50% · 4.625%
HK$33,025
+HK$1,894/mo
Deposit HK$714K · loan HK$6.42M · min. income ≈ HK$62,262/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,589
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,463
−HK$887/mo
Today · 4.125%
HK$34,350
baseline
▲ 0.50% · 4.625%
HK$36,160
+HK$1,810/mo
Deposit HK$714K · loan HK$6.42M · min. income ≈ HK$68,700/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,111 · 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).