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$16,284
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,791
−HK$515/mo
Today · 4.125%
HK$17,306
baseline
▲ 0.50% · 4.625%
HK$18,359
+HK$1,053/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,612/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,116
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,602
−HK$493/mo
Today · 4.125%
HK$19,095
baseline
▲ 0.50% · 4.625%
HK$20,102
+HK$1,007/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,190/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,541
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,149
−HK$618/mo
Today · 4.125%
HK$20,767
baseline
▲ 0.50% · 4.625%
HK$22,030
+HK$1,263/mo
Deposit HK$2.86M · loan HK$4.28M · min. income ≈ HK$41,534/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,740
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,323
−HK$591/mo
Today · 4.125%
HK$22,914
baseline
▲ 0.50% · 4.625%
HK$24,122
+HK$1,208/mo
Deposit HK$2.86M · loan HK$4.28M · min. income ≈ HK$45,828/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,798
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,507
−HK$721/mo
Today · 4.125%
HK$24,228
baseline
▲ 0.50% · 4.625%
HK$25,702
+HK$1,474/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,456/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,363
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,043
−HK$690/mo
Today · 4.125%
HK$26,733
baseline
▲ 0.50% · 4.625%
HK$28,142
+HK$1,409/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,466/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,312
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,224
−HK$926/mo
Today · 4.125%
HK$31,150
baseline
▲ 0.50% · 4.625%
HK$33,046
+HK$1,896/mo
Deposit HK$714K · loan HK$6.43M · min. income ≈ HK$62,300/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,609
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,484
−HK$887/mo
Today · 4.125%
HK$34,371
baseline
▲ 0.50% · 4.625%
HK$36,183
+HK$1,812/mo
Deposit HK$714K · loan HK$6.43M · min. income ≈ HK$68,742/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,245 · 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).