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$22,749
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,456
−HK$719/mo
Today · 4.125%
HK$24,175
baseline
▲ 0.50% · 4.625%
HK$25,646
+HK$1,471/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,350/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$367,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,308
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,986
−HK$689/mo
Today · 4.125%
HK$26,675
baseline
▲ 0.50% · 4.625%
HK$28,081
+HK$1,406/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,350/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$367,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,298
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,147
−HK$863/mo
Today · 4.125%
HK$29,010
baseline
▲ 0.50% · 4.625%
HK$30,775
+HK$1,765/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,020/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,369
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,184
−HK$826/mo
Today · 4.125%
HK$32,010
baseline
▲ 0.50% · 4.625%
HK$33,697
+HK$1,687/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,020/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,848
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,839
−HK$1,006/mo
Today · 4.125%
HK$33,845
baseline
▲ 0.50% · 4.625%
HK$35,905
+HK$2,060/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,690/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,431
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,381
−HK$964/mo
Today · 4.125%
HK$37,345
baseline
▲ 0.50% · 4.625%
HK$39,313
+HK$1,968/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,690/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,947
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,221
−HK$1,294/mo
Today · 4.125%
HK$43,515
baseline
▲ 0.50% · 4.625%
HK$46,163
+HK$2,648/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$87,030/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$367,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,554
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,775
−HK$1,240/mo
Today · 4.125%
HK$48,015
baseline
▲ 0.50% · 4.625%
HK$50,546
+HK$2,531/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$96,030/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$367,633 · 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).