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$16,290
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,797
−HK$515/mo
Today · 4.125%
HK$17,312
baseline
▲ 0.50% · 4.625%
HK$18,365
+HK$1,053/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,624/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,123
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,609
−HK$493/mo
Today · 4.125%
HK$19,102
baseline
▲ 0.50% · 4.625%
HK$20,109
+HK$1,007/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,204/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,548
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,156
−HK$618/mo
Today · 4.125%
HK$20,774
baseline
▲ 0.50% · 4.625%
HK$22,038
+HK$1,264/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,548/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,747
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,331
−HK$591/mo
Today · 4.125%
HK$22,922
baseline
▲ 0.50% · 4.625%
HK$24,131
+HK$1,209/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,844/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,806
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,516
−HK$721/mo
Today · 4.125%
HK$24,237
baseline
▲ 0.50% · 4.625%
HK$25,711
+HK$1,474/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,474/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,372
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,052
−HK$691/mo
Today · 4.125%
HK$26,743
baseline
▲ 0.50% · 4.625%
HK$28,152
+HK$1,409/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,486/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,323
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,235
−HK$926/mo
Today · 4.125%
HK$31,161
baseline
▲ 0.50% · 4.625%
HK$33,057
+HK$1,896/mo
Deposit HK$714K · loan HK$6.43M · min. income ≈ HK$62,322/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,621
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,496
−HK$887/mo
Today · 4.125%
HK$34,383
baseline
▲ 0.50% · 4.625%
HK$36,196
+HK$1,813/mo
Deposit HK$714K · loan HK$6.43M · min. income ≈ HK$68,766/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,323 · 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).