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$16,280
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,786
−HK$515/mo
Today · 4.125%
HK$17,301
baseline
▲ 0.50% · 4.625%
HK$18,353
+HK$1,052/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,602/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,111
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,597
−HK$493/mo
Today · 4.125%
HK$19,090
baseline
▲ 0.50% · 4.625%
HK$20,096
+HK$1,006/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,180/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,536
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,143
−HK$618/mo
Today · 4.125%
HK$20,761
baseline
▲ 0.50% · 4.625%
HK$22,024
+HK$1,263/mo
Deposit HK$2.86M · loan HK$4.28M · min. income ≈ HK$41,522/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,733
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,316
−HK$591/mo
Today · 4.125%
HK$22,907
baseline
▲ 0.50% · 4.625%
HK$24,115
+HK$1,208/mo
Deposit HK$2.86M · loan HK$4.28M · min. income ≈ HK$45,814/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,792
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,501
−HK$720/mo
Today · 4.125%
HK$24,221
baseline
▲ 0.50% · 4.625%
HK$25,695
+HK$1,474/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,442/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,356
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,036
−HK$689/mo
Today · 4.125%
HK$26,725
baseline
▲ 0.50% · 4.625%
HK$28,134
+HK$1,409/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,450/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,304
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,215
−HK$926/mo
Today · 4.125%
HK$31,141
baseline
▲ 0.50% · 4.625%
HK$33,036
+HK$1,895/mo
Deposit HK$714K · loan HK$6.43M · min. income ≈ HK$62,282/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,600
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,474
−HK$887/mo
Today · 4.125%
HK$34,361
baseline
▲ 0.50% · 4.625%
HK$36,172
+HK$1,811/mo
Deposit HK$714K · loan HK$6.43M · min. income ≈ HK$68,722/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,184 · 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).