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$1,427/mo
▼ 0.25% · 3.875%
HK$23,476
−HK$719/mo
Today · 4.125%
HK$24,195
baseline
▲ 0.50% · 4.625%
HK$25,668
+HK$1,473/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,390/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,329
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,008
−HK$689/mo
Today · 4.125%
HK$26,697
baseline
▲ 0.50% · 4.625%
HK$28,104
+HK$1,407/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,394/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,321
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,171
−HK$863/mo
Today · 4.125%
HK$29,034
baseline
▲ 0.50% · 4.625%
HK$30,801
+HK$1,767/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,068/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,394
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,210
−HK$827/mo
Today · 4.125%
HK$32,037
baseline
▲ 0.50% · 4.625%
HK$33,725
+HK$1,688/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,074/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,875
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,866
−HK$1,007/mo
Today · 4.125%
HK$33,873
baseline
▲ 0.50% · 4.625%
HK$35,935
+HK$2,062/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$67,746/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,460
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,411
−HK$965/mo
Today · 4.125%
HK$37,376
baseline
▲ 0.50% · 4.625%
HK$39,346
+HK$1,970/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$74,752/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,982
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,256
−HK$1,296/mo
Today · 4.125%
HK$43,552
baseline
▲ 0.50% · 4.625%
HK$46,202
+HK$2,650/mo
Deposit HK$998K · loan HK$8.99M · min. income ≈ HK$87,104/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,592
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,814
−HK$1,241/mo
Today · 4.125%
HK$48,055
baseline
▲ 0.50% · 4.625%
HK$50,588
+HK$2,533/mo
Deposit HK$998K · loan HK$8.99M · min. income ≈ HK$96,110/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,468 · 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).