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$16,293
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,800
−HK$515/mo
Today · 4.125%
HK$17,315
baseline
▲ 0.50% · 4.625%
HK$18,369
+HK$1,054/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,630/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,126
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,612
−HK$493/mo
Today · 4.125%
HK$19,105
baseline
▲ 0.50% · 4.625%
HK$20,112
+HK$1,007/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,210/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,552
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,160
−HK$618/mo
Today · 4.125%
HK$20,778
baseline
▲ 0.50% · 4.625%
HK$22,042
+HK$1,264/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,556/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,751
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,335
−HK$591/mo
Today · 4.125%
HK$22,926
baseline
▲ 0.50% · 4.625%
HK$24,135
+HK$1,209/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,852/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,811
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,520
−HK$721/mo
Today · 4.125%
HK$24,241
baseline
▲ 0.50% · 4.625%
HK$25,716
+HK$1,475/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,482/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,377
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,057
−HK$691/mo
Today · 4.125%
HK$26,748
baseline
▲ 0.50% · 4.625%
HK$28,157
+HK$1,409/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,496/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,328
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,240
−HK$927/mo
Today · 4.125%
HK$31,167
baseline
▲ 0.50% · 4.625%
HK$33,063
+HK$1,896/mo
Deposit HK$715K · loan HK$6.43M · min. income ≈ HK$62,334/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,627
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,502
−HK$888/mo
Today · 4.125%
HK$34,390
baseline
▲ 0.50% · 4.625%
HK$36,202
+HK$1,812/mo
Deposit HK$715K · loan HK$6.43M · min. income ≈ HK$68,780/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,361 · 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).