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$1,022/mo
▼ 0.25% · 3.875%
HK$16,804
−HK$515/mo
Today · 4.125%
HK$17,319
baseline
▲ 0.50% · 4.625%
HK$18,373
+HK$1,054/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,638/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,130
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,617
−HK$493/mo
Today · 4.125%
HK$19,110
baseline
▲ 0.50% · 4.625%
HK$20,117
+HK$1,007/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,220/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,557
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,165
−HK$618/mo
Today · 4.125%
HK$20,783
baseline
▲ 0.50% · 4.625%
HK$22,047
+HK$1,264/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,566/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,756
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,340
−HK$592/mo
Today · 4.125%
HK$22,932
baseline
▲ 0.50% · 4.625%
HK$24,141
+HK$1,209/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,864/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,816
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,526
−HK$721/mo
Today · 4.125%
HK$24,247
baseline
▲ 0.50% · 4.625%
HK$25,722
+HK$1,475/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,494/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,383
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,063
−HK$691/mo
Today · 4.125%
HK$26,754
baseline
▲ 0.50% · 4.625%
HK$28,164
+HK$1,410/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,508/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,335
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,247
−HK$927/mo
Today · 4.125%
HK$31,174
baseline
▲ 0.50% · 4.625%
HK$33,071
+HK$1,897/mo
Deposit HK$715K · loan HK$6.43M · min. income ≈ HK$62,348/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,635
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,510
−HK$888/mo
Today · 4.125%
HK$34,398
baseline
▲ 0.50% · 4.625%
HK$36,211
+HK$1,813/mo
Deposit HK$715K · loan HK$6.43M · min. income ≈ HK$68,796/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,412 · 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).