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$16,277
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,783
−HK$514/mo
Today · 4.125%
HK$17,297
baseline
▲ 0.50% · 4.625%
HK$18,350
+HK$1,053/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,594/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,108
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,593
−HK$493/mo
Today · 4.125%
HK$19,086
baseline
▲ 0.50% · 4.625%
HK$20,092
+HK$1,006/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,172/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,532
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,140
−HK$617/mo
Today · 4.125%
HK$20,757
baseline
▲ 0.50% · 4.625%
HK$22,020
+HK$1,263/mo
Deposit HK$2.86M · loan HK$4.28M · min. income ≈ HK$41,514/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,729
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,312
−HK$591/mo
Today · 4.125%
HK$22,903
baseline
▲ 0.50% · 4.625%
HK$24,110
+HK$1,207/mo
Deposit HK$2.86M · loan HK$4.28M · min. income ≈ HK$45,806/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,787
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,496
−HK$720/mo
Today · 4.125%
HK$24,216
baseline
▲ 0.50% · 4.625%
HK$25,690
+HK$1,474/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,432/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,351
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,031
−HK$689/mo
Today · 4.125%
HK$26,720
baseline
▲ 0.50% · 4.625%
HK$28,129
+HK$1,409/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,440/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,298
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,209
−HK$926/mo
Today · 4.125%
HK$31,135
baseline
▲ 0.50% · 4.625%
HK$33,030
+HK$1,895/mo
Deposit HK$714K · loan HK$6.42M · min. income ≈ HK$62,270/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,594
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,468
−HK$887/mo
Today · 4.125%
HK$34,355
baseline
▲ 0.50% · 4.625%
HK$36,166
+HK$1,811/mo
Deposit HK$714K · loan HK$6.42M · min. income ≈ HK$68,710/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,143 · 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).