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$16,276
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,782
−HK$515/mo
Today · 4.125%
HK$17,297
baseline
▲ 0.50% · 4.625%
HK$18,349
+HK$1,052/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,594/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,107
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,593
−HK$492/mo
Today · 4.125%
HK$19,085
baseline
▲ 0.50% · 4.625%
HK$20,091
+HK$1,006/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,170/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,531
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,139
−HK$617/mo
Today · 4.125%
HK$20,756
baseline
▲ 0.50% · 4.625%
HK$22,019
+HK$1,263/mo
Deposit HK$2.86M · loan HK$4.28M · min. income ≈ HK$41,512/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,729
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,311
−HK$591/mo
Today · 4.125%
HK$22,902
baseline
▲ 0.50% · 4.625%
HK$24,110
+HK$1,208/mo
Deposit HK$2.86M · loan HK$4.28M · min. income ≈ HK$45,804/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,787
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,495
−HK$721/mo
Today · 4.125%
HK$24,216
baseline
▲ 0.50% · 4.625%
HK$25,689
+HK$1,473/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,432/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,350
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,030
−HK$690/mo
Today · 4.125%
HK$26,720
baseline
▲ 0.50% · 4.625%
HK$28,128
+HK$1,408/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,440/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,297
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,208
−HK$926/mo
Today · 4.125%
HK$31,134
baseline
▲ 0.50% · 4.625%
HK$33,029
+HK$1,895/mo
Deposit HK$714K · loan HK$6.42M · min. income ≈ HK$62,268/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,593
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,467
−HK$887/mo
Today · 4.125%
HK$34,354
baseline
▲ 0.50% · 4.625%
HK$36,164
+HK$1,810/mo
Deposit HK$714K · loan HK$6.42M · min. income ≈ HK$68,708/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,137 · 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).