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$16,285
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,792
−HK$514/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$3.79M (deposit + AVD stamp duty HK$214,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,117
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,603
−HK$493/mo
Today · 4.125%
HK$19,096
baseline
▲ 0.50% · 4.625%
HK$20,102
+HK$1,006/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,192/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,542
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,150
−HK$618/mo
Today · 4.125%
HK$20,768
baseline
▲ 0.50% · 4.625%
HK$22,031
+HK$1,263/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,536/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,740
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,323
−HK$592/mo
Today · 4.125%
HK$22,915
baseline
▲ 0.50% · 4.625%
HK$24,123
+HK$1,208/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,830/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,799
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,508
−HK$721/mo
Today · 4.125%
HK$24,229
baseline
▲ 0.50% · 4.625%
HK$25,703
+HK$1,474/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,458/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,364
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,044
−HK$690/mo
Today · 4.125%
HK$26,734
baseline
▲ 0.50% · 4.625%
HK$28,143
+HK$1,409/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,468/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,313
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,225
−HK$926/mo
Today · 4.125%
HK$31,151
baseline
▲ 0.50% · 4.625%
HK$33,047
+HK$1,896/mo
Deposit HK$714K · loan HK$6.43M · min. income ≈ HK$62,302/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,611
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,485
−HK$887/mo
Today · 4.125%
HK$34,372
baseline
▲ 0.50% · 4.625%
HK$36,184
+HK$1,812/mo
Deposit HK$714K · loan HK$6.43M · min. income ≈ HK$68,744/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,254 · 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).