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$16,294
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,801
−HK$515/mo
Today · 4.125%
HK$17,316
baseline
▲ 0.50% · 4.625%
HK$18,370
+HK$1,054/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,632/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,127
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,613
−HK$494/mo
Today · 4.125%
HK$19,107
baseline
▲ 0.50% · 4.625%
HK$20,114
+HK$1,007/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,214/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,553
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,161
−HK$618/mo
Today · 4.125%
HK$20,779
baseline
▲ 0.50% · 4.625%
HK$22,044
+HK$1,265/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,558/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,753
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,336
−HK$592/mo
Today · 4.125%
HK$22,928
baseline
▲ 0.50% · 4.625%
HK$24,136
+HK$1,208/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,856/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,812
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,522
−HK$721/mo
Today · 4.125%
HK$24,243
baseline
▲ 0.50% · 4.625%
HK$25,718
+HK$1,475/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,486/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,378
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,059
−HK$690/mo
Today · 4.125%
HK$26,749
baseline
▲ 0.50% · 4.625%
HK$28,159
+HK$1,410/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,498/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,330
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,242
−HK$927/mo
Today · 4.125%
HK$31,169
baseline
▲ 0.50% · 4.625%
HK$33,065
+HK$1,896/mo
Deposit HK$715K · loan HK$6.43M · min. income ≈ HK$62,338/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,629
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,504
−HK$888/mo
Today · 4.125%
HK$34,392
baseline
▲ 0.50% · 4.625%
HK$36,205
+HK$1,813/mo
Deposit HK$715K · loan HK$6.43M · min. income ≈ HK$68,784/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,375 · 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).