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$16,278
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,785
−HK$514/mo
Today · 4.125%
HK$17,299
baseline
▲ 0.50% · 4.625%
HK$18,352
+HK$1,053/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,598/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,109
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,595
−HK$493/mo
Today · 4.125%
HK$19,088
baseline
▲ 0.50% · 4.625%
HK$20,094
+HK$1,006/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,176/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,534
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,141
−HK$618/mo
Today · 4.125%
HK$20,759
baseline
▲ 0.50% · 4.625%
HK$22,022
+HK$1,263/mo
Deposit HK$2.86M · loan HK$4.28M · min. income ≈ HK$41,518/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,731
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,314
−HK$591/mo
Today · 4.125%
HK$22,905
baseline
▲ 0.50% · 4.625%
HK$24,113
+HK$1,208/mo
Deposit HK$2.86M · loan HK$4.28M · min. income ≈ HK$45,810/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,789
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,498
−HK$721/mo
Today · 4.125%
HK$24,219
baseline
▲ 0.50% · 4.625%
HK$25,692
+HK$1,473/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,438/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,353
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,033
−HK$690/mo
Today · 4.125%
HK$26,723
baseline
▲ 0.50% · 4.625%
HK$28,131
+HK$1,408/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,446/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,301
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,212
−HK$926/mo
Today · 4.125%
HK$31,138
baseline
▲ 0.50% · 4.625%
HK$33,033
+HK$1,895/mo
Deposit HK$714K · loan HK$6.42M · min. income ≈ HK$62,276/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,597
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,471
−HK$887/mo
Today · 4.125%
HK$34,358
baseline
▲ 0.50% · 4.625%
HK$36,169
+HK$1,811/mo
Deposit HK$714K · loan HK$6.42M · min. income ≈ HK$68,716/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,163 · 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).