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$16,297
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,803
−HK$515/mo
Today · 4.125%
HK$17,318
baseline
▲ 0.50% · 4.625%
HK$18,372
+HK$1,054/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,636/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,130
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,616
−HK$493/mo
Today · 4.125%
HK$19,109
baseline
▲ 0.50% · 4.625%
HK$20,116
+HK$1,007/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,218/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,556
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,164
−HK$618/mo
Today · 4.125%
HK$20,782
baseline
▲ 0.50% · 4.625%
HK$22,047
+HK$1,265/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,564/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,756
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,339
−HK$592/mo
Today · 4.125%
HK$22,931
baseline
▲ 0.50% · 4.625%
HK$24,140
+HK$1,209/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,862/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,815
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,525
−HK$721/mo
Today · 4.125%
HK$24,246
baseline
▲ 0.50% · 4.625%
HK$25,721
+HK$1,475/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,492/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,382
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,062
−HK$691/mo
Today · 4.125%
HK$26,753
baseline
▲ 0.50% · 4.625%
HK$28,163
+HK$1,410/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,506/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,334
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,246
−HK$927/mo
Today · 4.125%
HK$31,173
baseline
▲ 0.50% · 4.625%
HK$33,070
+HK$1,897/mo
Deposit HK$715K · loan HK$6.43M · min. income ≈ HK$62,346/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,633
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,509
−HK$888/mo
Today · 4.125%
HK$34,397
baseline
▲ 0.50% · 4.625%
HK$36,210
+HK$1,813/mo
Deposit HK$715K · loan HK$6.43M · min. income ≈ HK$68,794/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,404 · 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).