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$16,301
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,808
−HK$515/mo
Today · 4.125%
HK$17,323
baseline
▲ 0.50% · 4.625%
HK$18,377
+HK$1,054/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,646/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,135
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,621
−HK$494/mo
Today · 4.125%
HK$19,115
baseline
▲ 0.50% · 4.625%
HK$20,122
+HK$1,007/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,230/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,561
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,170
−HK$618/mo
Today · 4.125%
HK$20,788
baseline
▲ 0.50% · 4.625%
HK$22,053
+HK$1,265/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,576/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,762
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,345
−HK$593/mo
Today · 4.125%
HK$22,938
baseline
▲ 0.50% · 4.625%
HK$24,147
+HK$1,209/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,876/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,822
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,531
−HK$722/mo
Today · 4.125%
HK$24,253
baseline
▲ 0.50% · 4.625%
HK$25,728
+HK$1,475/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,506/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,389
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,070
−HK$690/mo
Today · 4.125%
HK$26,760
baseline
▲ 0.50% · 4.625%
HK$28,171
+HK$1,411/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,520/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,342
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,255
−HK$927/mo
Today · 4.125%
HK$31,182
baseline
▲ 0.50% · 4.625%
HK$33,079
+HK$1,897/mo
Deposit HK$715K · loan HK$6.43M · min. income ≈ HK$62,364/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,643
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,518
−HK$888/mo
Today · 4.125%
HK$34,406
baseline
▲ 0.50% · 4.625%
HK$36,220
+HK$1,814/mo
Deposit HK$715K · loan HK$6.43M · min. income ≈ HK$68,812/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,465 · 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).