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$23,476
−HK$720/mo
Today · 4.125%
HK$24,196
baseline
▲ 0.50% · 4.625%
HK$25,668
+HK$1,472/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$368,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,329
−HK$1,369/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$368,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,322
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,172
−HK$863/mo
Today · 4.125%
HK$29,035
baseline
▲ 0.50% · 4.625%
HK$30,802
+HK$1,767/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,070/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,395
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,211
−HK$827/mo
Today · 4.125%
HK$32,038
baseline
▲ 0.50% · 4.625%
HK$33,726
+HK$1,688/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$368,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,876
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,867
−HK$1,007/mo
Today · 4.125%
HK$33,874
baseline
▲ 0.50% · 4.625%
HK$35,936
+HK$2,062/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$67,748/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,461
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,412
−HK$965/mo
Today · 4.125%
HK$37,377
baseline
▲ 0.50% · 4.625%
HK$39,347
+HK$1,970/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$368,496 · 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$998K · loan HK$8.99M · min. income ≈ HK$87,106/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,593
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,816
−HK$1,240/mo
Today · 4.125%
HK$48,056
baseline
▲ 0.50% · 4.625%
HK$50,589
+HK$2,533/mo
Deposit HK$998K · loan HK$8.99M · min. income ≈ HK$96,112/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,496 · 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).