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$22,768
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,477
−HK$719/mo
Today · 4.125%
HK$24,196
baseline
▲ 0.50% · 4.625%
HK$25,669
+HK$1,473/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,392/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,330
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,009
−HK$689/mo
Today · 4.125%
HK$26,698
baseline
▲ 0.50% · 4.625%
HK$28,105
+HK$1,407/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,396/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,322
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,172
−HK$864/mo
Today · 4.125%
HK$29,036
baseline
▲ 0.50% · 4.625%
HK$30,802
+HK$1,766/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,072/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,396
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,211
−HK$827/mo
Today · 4.125%
HK$32,038
baseline
▲ 0.50% · 4.625%
HK$33,727
+HK$1,689/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,076/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,876
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,867
−HK$1,008/mo
Today · 4.125%
HK$33,875
baseline
▲ 0.50% · 4.625%
HK$35,936
+HK$2,061/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$67,750/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,462
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,413
−HK$964/mo
Today · 4.125%
HK$37,377
baseline
▲ 0.50% · 4.625%
HK$39,348
+HK$1,971/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$74,754/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,983
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,258
−HK$1,295/mo
Today · 4.125%
HK$43,553
baseline
▲ 0.50% · 4.625%
HK$46,203
+HK$2,650/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$87,106/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,593
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,816
−HK$1,241/mo
Today · 4.125%
HK$48,057
baseline
▲ 0.50% · 4.625%
HK$50,590
+HK$2,533/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$96,114/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,506 · 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).