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$16,275
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,782
−HK$514/mo
Today · 4.125%
HK$17,296
baseline
▲ 0.50% · 4.625%
HK$18,348
+HK$1,052/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,592/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,106
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,592
−HK$492/mo
Today · 4.125%
HK$19,084
baseline
▲ 0.50% · 4.625%
HK$20,090
+HK$1,006/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,168/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,531
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,138
−HK$617/mo
Today · 4.125%
HK$20,755
baseline
▲ 0.50% · 4.625%
HK$22,018
+HK$1,263/mo
Deposit HK$2.86M · loan HK$4.28M · min. income ≈ HK$41,510/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,727
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,310
−HK$591/mo
Today · 4.125%
HK$22,901
baseline
▲ 0.50% · 4.625%
HK$24,109
+HK$1,208/mo
Deposit HK$2.86M · loan HK$4.28M · min. income ≈ HK$45,802/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,786
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,494
−HK$720/mo
Today · 4.125%
HK$24,214
baseline
▲ 0.50% · 4.625%
HK$25,688
+HK$1,474/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,428/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,349
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,029
−HK$689/mo
Today · 4.125%
HK$26,718
baseline
▲ 0.50% · 4.625%
HK$28,127
+HK$1,409/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,436/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,296
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,207
−HK$926/mo
Today · 4.125%
HK$31,133
baseline
▲ 0.50% · 4.625%
HK$33,027
+HK$1,894/mo
Deposit HK$714K · loan HK$6.42M · min. income ≈ HK$62,266/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,591
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,465
−HK$887/mo
Today · 4.125%
HK$34,352
baseline
▲ 0.50% · 4.625%
HK$36,163
+HK$1,811/mo
Deposit HK$714K · loan HK$6.42M · min. income ≈ HK$68,704/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,127 · 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).