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$22,763
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,471
−HK$719/mo
Today · 4.125%
HK$24,190
baseline
▲ 0.50% · 4.625%
HK$25,662
+HK$1,472/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,380/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,323
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,003
−HK$689/mo
Today · 4.125%
HK$26,692
baseline
▲ 0.50% · 4.625%
HK$28,099
+HK$1,407/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,384/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,315
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,165
−HK$863/mo
Today · 4.125%
HK$29,028
baseline
▲ 0.50% · 4.625%
HK$30,795
+HK$1,767/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,056/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,388
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,203
−HK$827/mo
Today · 4.125%
HK$32,030
baseline
▲ 0.50% · 4.625%
HK$33,718
+HK$1,688/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,060/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,868
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,859
−HK$1,007/mo
Today · 4.125%
HK$33,866
baseline
▲ 0.50% · 4.625%
HK$35,927
+HK$2,061/mo
Deposit HK$2.99M · loan HK$6.99M · min. income ≈ HK$67,732/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,453
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,404
−HK$964/mo
Today · 4.125%
HK$37,368
baseline
▲ 0.50% · 4.625%
HK$39,338
+HK$1,970/mo
Deposit HK$2.99M · loan HK$6.99M · min. income ≈ HK$74,736/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,973
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,248
−HK$1,295/mo
Today · 4.125%
HK$43,543
baseline
▲ 0.50% · 4.625%
HK$46,192
+HK$2,649/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$87,086/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,582
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,805
−HK$1,240/mo
Today · 4.125%
HK$48,045
baseline
▲ 0.50% · 4.625%
HK$50,577
+HK$2,532/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$96,090/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,260 · 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).