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$22,756
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,464
−HK$719/mo
Today · 4.125%
HK$24,183
baseline
▲ 0.50% · 4.625%
HK$25,654
+HK$1,471/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,366/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$367,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,316
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,995
−HK$688/mo
Today · 4.125%
HK$26,683
baseline
▲ 0.50% · 4.625%
HK$28,090
+HK$1,407/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,366/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$367,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,307
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,156
−HK$863/mo
Today · 4.125%
HK$29,019
baseline
▲ 0.50% · 4.625%
HK$30,785
+HK$1,766/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,038/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,379
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,193
−HK$827/mo
Today · 4.125%
HK$32,020
baseline
▲ 0.50% · 4.625%
HK$33,708
+HK$1,688/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,040/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,858
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,849
−HK$1,007/mo
Today · 4.125%
HK$33,856
baseline
▲ 0.50% · 4.625%
HK$35,916
+HK$2,060/mo
Deposit HK$2.99M · loan HK$6.99M · min. income ≈ HK$67,712/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,442
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,392
−HK$965/mo
Today · 4.125%
HK$37,357
baseline
▲ 0.50% · 4.625%
HK$39,326
+HK$1,969/mo
Deposit HK$2.99M · loan HK$6.99M · min. income ≈ HK$74,714/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,960
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$42,234
−HK$1,295/mo
Today · 4.125%
HK$43,529
baseline
▲ 0.50% · 4.625%
HK$46,178
+HK$2,649/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$87,058/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$367,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,568
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,790
−HK$1,240/mo
Today · 4.125%
HK$48,030
baseline
▲ 0.50% · 4.625%
HK$50,562
+HK$2,532/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$96,060/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$367,948 · 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).