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$16,296
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,802
−HK$515/mo
Today · 4.125%
HK$17,317
baseline
▲ 0.50% · 4.625%
HK$18,371
+HK$1,054/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,634/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,129
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,615
−HK$493/mo
Today · 4.125%
HK$19,108
baseline
▲ 0.50% · 4.625%
HK$20,115
+HK$1,007/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,216/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,555
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,163
−HK$618/mo
Today · 4.125%
HK$20,781
baseline
▲ 0.50% · 4.625%
HK$22,045
+HK$1,264/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,562/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,754
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,338
−HK$592/mo
Today · 4.125%
HK$22,930
baseline
▲ 0.50% · 4.625%
HK$24,138
+HK$1,208/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,860/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,814
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,523
−HK$721/mo
Today · 4.125%
HK$24,244
baseline
▲ 0.50% · 4.625%
HK$25,720
+HK$1,476/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,488/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,380
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,061
−HK$690/mo
Today · 4.125%
HK$26,751
baseline
▲ 0.50% · 4.625%
HK$28,161
+HK$1,410/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,502/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,332
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,244
−HK$927/mo
Today · 4.125%
HK$31,171
baseline
▲ 0.50% · 4.625%
HK$33,068
+HK$1,897/mo
Deposit HK$715K · loan HK$6.43M · min. income ≈ HK$62,342/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,632
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,507
−HK$888/mo
Today · 4.125%
HK$34,395
baseline
▲ 0.50% · 4.625%
HK$36,208
+HK$1,813/mo
Deposit HK$715K · loan HK$6.43M · min. income ≈ HK$68,790/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,392 · 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).