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$16,286
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,793
−HK$515/mo
Today · 4.125%
HK$17,308
baseline
▲ 0.50% · 4.625%
HK$18,361
+HK$1,053/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,616/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,118
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,604
−HK$493/mo
Today · 4.125%
HK$19,097
baseline
▲ 0.50% · 4.625%
HK$20,104
+HK$1,007/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,194/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,544
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,152
−HK$617/mo
Today · 4.125%
HK$20,769
baseline
▲ 0.50% · 4.625%
HK$22,033
+HK$1,264/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,538/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,742
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,325
−HK$592/mo
Today · 4.125%
HK$22,917
baseline
▲ 0.50% · 4.625%
HK$24,125
+HK$1,208/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,834/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,801
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,510
−HK$721/mo
Today · 4.125%
HK$24,231
baseline
▲ 0.50% · 4.625%
HK$25,705
+HK$1,474/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,462/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,366
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,046
−HK$690/mo
Today · 4.125%
HK$26,736
baseline
▲ 0.50% · 4.625%
HK$28,146
+HK$1,410/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,472/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,315
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,227
−HK$927/mo
Today · 4.125%
HK$31,154
baseline
▲ 0.50% · 4.625%
HK$33,049
+HK$1,895/mo
Deposit HK$714K · loan HK$6.43M · min. income ≈ HK$62,308/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,613
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,488
−HK$887/mo
Today · 4.125%
HK$34,375
baseline
▲ 0.50% · 4.625%
HK$36,187
+HK$1,812/mo
Deposit HK$714K · loan HK$6.43M · min. income ≈ HK$68,750/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,271 · 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).