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$16,287
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,794
−HK$515/mo
Today · 4.125%
HK$17,309
baseline
▲ 0.50% · 4.625%
HK$18,362
+HK$1,053/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,618/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,120
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,606
−HK$493/mo
Today · 4.125%
HK$19,099
baseline
▲ 0.50% · 4.625%
HK$20,105
+HK$1,006/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,198/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,545
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,153
−HK$618/mo
Today · 4.125%
HK$20,771
baseline
▲ 0.50% · 4.625%
HK$22,034
+HK$1,263/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,542/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,744
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,327
−HK$591/mo
Today · 4.125%
HK$22,918
baseline
▲ 0.50% · 4.625%
HK$24,126
+HK$1,208/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,836/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,802
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,512
−HK$720/mo
Today · 4.125%
HK$24,232
baseline
▲ 0.50% · 4.625%
HK$25,707
+HK$1,475/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,464/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,368
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,048
−HK$690/mo
Today · 4.125%
HK$26,738
baseline
▲ 0.50% · 4.625%
HK$28,147
+HK$1,409/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,476/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,317
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,229
−HK$927/mo
Today · 4.125%
HK$31,156
baseline
▲ 0.50% · 4.625%
HK$33,052
+HK$1,896/mo
Deposit HK$714K · loan HK$6.43M · min. income ≈ HK$62,312/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,615
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,490
−HK$888/mo
Today · 4.125%
HK$34,378
baseline
▲ 0.50% · 4.625%
HK$36,190
+HK$1,812/mo
Deposit HK$714K · loan HK$6.43M · min. income ≈ HK$68,756/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,286 · 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).