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$16,278
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,784
−HK$515/mo
Today · 4.125%
HK$17,299
baseline
▲ 0.50% · 4.625%
HK$18,351
+HK$1,052/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,598/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,109
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,595
−HK$492/mo
Today · 4.125%
HK$19,087
baseline
▲ 0.50% · 4.625%
HK$20,093
+HK$1,006/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,174/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,533
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,141
−HK$617/mo
Today · 4.125%
HK$20,758
baseline
▲ 0.50% · 4.625%
HK$22,021
+HK$1,263/mo
Deposit HK$2.86M · loan HK$4.28M · min. income ≈ HK$41,516/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,731
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,313
−HK$592/mo
Today · 4.125%
HK$22,905
baseline
▲ 0.50% · 4.625%
HK$24,112
+HK$1,207/mo
Deposit HK$2.86M · loan HK$4.28M · min. income ≈ HK$45,810/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,789
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,498
−HK$720/mo
Today · 4.125%
HK$24,218
baseline
▲ 0.50% · 4.625%
HK$25,692
+HK$1,474/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,436/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,352
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,032
−HK$690/mo
Today · 4.125%
HK$26,722
baseline
▲ 0.50% · 4.625%
HK$28,131
+HK$1,409/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,444/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,300
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,211
−HK$926/mo
Today · 4.125%
HK$31,137
baseline
▲ 0.50% · 4.625%
HK$33,032
+HK$1,895/mo
Deposit HK$714K · loan HK$6.42M · min. income ≈ HK$62,274/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,596
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,470
−HK$887/mo
Today · 4.125%
HK$34,357
baseline
▲ 0.50% · 4.625%
HK$36,168
+HK$1,811/mo
Deposit HK$714K · loan HK$6.42M · min. income ≈ HK$68,714/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,158 · 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).