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$16,303
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,811
−HK$515/mo
Today · 4.125%
HK$17,326
baseline
▲ 0.50% · 4.625%
HK$18,380
+HK$1,054/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,652/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,137
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,624
−HK$493/mo
Today · 4.125%
HK$19,117
baseline
▲ 0.50% · 4.625%
HK$20,125
+HK$1,008/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,234/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,564
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,173
−HK$618/mo
Today · 4.125%
HK$20,791
baseline
▲ 0.50% · 4.625%
HK$22,056
+HK$1,265/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,582/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,765
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,349
−HK$592/mo
Today · 4.125%
HK$22,941
baseline
▲ 0.50% · 4.625%
HK$24,150
+HK$1,209/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,882/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,825
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,535
−HK$721/mo
Today · 4.125%
HK$24,256
baseline
▲ 0.50% · 4.625%
HK$25,732
+HK$1,476/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,512/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,392
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,073
−HK$691/mo
Today · 4.125%
HK$26,764
baseline
▲ 0.50% · 4.625%
HK$28,175
+HK$1,411/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,528/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,346
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,259
−HK$927/mo
Today · 4.125%
HK$31,186
baseline
▲ 0.50% · 4.625%
HK$33,084
+HK$1,898/mo
Deposit HK$715K · loan HK$6.43M · min. income ≈ HK$62,372/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,647
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,523
−HK$888/mo
Today · 4.125%
HK$34,411
baseline
▲ 0.50% · 4.625%
HK$36,225
+HK$1,814/mo
Deposit HK$715K · loan HK$6.43M · min. income ≈ HK$68,822/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,495 · 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).