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$22,766
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,474
−HK$719/mo
Today · 4.125%
HK$24,193
baseline
▲ 0.50% · 4.625%
HK$25,666
+HK$1,473/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,386/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,327
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,006
−HK$689/mo
Today · 4.125%
HK$26,695
baseline
▲ 0.50% · 4.625%
HK$28,102
+HK$1,407/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,390/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,319
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,169
−HK$863/mo
Today · 4.125%
HK$29,032
baseline
▲ 0.50% · 4.625%
HK$30,799
+HK$1,767/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,064/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,392
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,207
−HK$827/mo
Today · 4.125%
HK$32,034
baseline
▲ 0.50% · 4.625%
HK$33,723
+HK$1,689/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,068/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,872
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,864
−HK$1,007/mo
Today · 4.125%
HK$33,871
baseline
▲ 0.50% · 4.625%
HK$35,932
+HK$2,061/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$67,742/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,457
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,408
−HK$965/mo
Today · 4.125%
HK$37,373
baseline
▲ 0.50% · 4.625%
HK$39,343
+HK$1,970/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$74,746/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,978
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,253
−HK$1,295/mo
Today · 4.125%
HK$43,548
baseline
▲ 0.50% · 4.625%
HK$46,198
+HK$2,650/mo
Deposit HK$998K · loan HK$8.99M · min. income ≈ HK$87,096/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,588
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,811
−HK$1,240/mo
Today · 4.125%
HK$48,051
baseline
▲ 0.50% · 4.625%
HK$50,584
+HK$2,533/mo
Deposit HK$998K · loan HK$8.99M · min. income ≈ HK$96,102/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,389 · 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).