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$22,774
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,482
−HK$720/mo
Today · 4.125%
HK$24,202
baseline
▲ 0.50% · 4.625%
HK$25,674
+HK$1,472/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,404/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,335
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,015
−HK$689/mo
Today · 4.125%
HK$26,704
baseline
▲ 0.50% · 4.625%
HK$28,112
+HK$1,408/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,408/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,328
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,178
−HK$864/mo
Today · 4.125%
HK$29,042
baseline
▲ 0.50% · 4.625%
HK$30,809
+HK$1,767/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,084/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,402
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,218
−HK$827/mo
Today · 4.125%
HK$32,045
baseline
▲ 0.50% · 4.625%
HK$33,734
+HK$1,689/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,090/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,883
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,875
−HK$1,007/mo
Today · 4.125%
HK$33,882
baseline
▲ 0.50% · 4.625%
HK$35,944
+HK$2,062/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$67,764/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,470
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,421
−HK$965/mo
Today · 4.125%
HK$37,386
baseline
▲ 0.50% · 4.625%
HK$39,356
+HK$1,970/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$74,772/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,992
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,268
−HK$1,295/mo
Today · 4.125%
HK$43,563
baseline
▲ 0.50% · 4.625%
HK$46,214
+HK$2,651/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$87,126/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,604
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,827
−HK$1,241/mo
Today · 4.125%
HK$48,068
baseline
▲ 0.50% · 4.625%
HK$50,601
+HK$2,533/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$96,136/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,729 · 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).