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$22,739
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,446
−HK$718/mo
Today · 4.125%
HK$24,164
baseline
▲ 0.50% · 4.625%
HK$25,635
+HK$1,471/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,328/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$367,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,296
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,975
−HK$688/mo
Today · 4.125%
HK$26,663
baseline
▲ 0.50% · 4.625%
HK$28,069
+HK$1,406/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,326/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$367,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,286
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,135
−HK$862/mo
Today · 4.125%
HK$28,997
baseline
▲ 0.50% · 4.625%
HK$30,762
+HK$1,765/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$57,994/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,356
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,170
−HK$826/mo
Today · 4.125%
HK$31,996
baseline
▲ 0.50% · 4.625%
HK$33,682
+HK$1,686/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$63,992/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,834
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,824
−HK$1,006/mo
Today · 4.125%
HK$33,830
baseline
▲ 0.50% · 4.625%
HK$35,889
+HK$2,059/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,660/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,415
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,365
−HK$963/mo
Today · 4.125%
HK$37,328
baseline
▲ 0.50% · 4.625%
HK$39,296
+HK$1,968/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,656/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,929
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,203
−HK$1,293/mo
Today · 4.125%
HK$43,496
baseline
▲ 0.50% · 4.625%
HK$46,143
+HK$2,647/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$86,992/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$367,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,534
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$46,755
−HK$1,239/mo
Today · 4.125%
HK$47,994
baseline
▲ 0.50% · 4.625%
HK$50,523
+HK$2,529/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$95,988/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$367,194 · 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).