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$22,753
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,461
−HK$719/mo
Today · 4.125%
HK$24,180
baseline
▲ 0.50% · 4.625%
HK$25,651
+HK$1,471/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,360/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$367,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,313
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,992
−HK$688/mo
Today · 4.125%
HK$26,680
baseline
▲ 0.50% · 4.625%
HK$28,087
+HK$1,407/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,360/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$367,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,304
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,153
−HK$863/mo
Today · 4.125%
HK$29,016
baseline
▲ 0.50% · 4.625%
HK$30,782
+HK$1,766/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,032/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,375
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,190
−HK$827/mo
Today · 4.125%
HK$32,017
baseline
▲ 0.50% · 4.625%
HK$33,704
+HK$1,687/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,034/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,855
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,846
−HK$1,006/mo
Today · 4.125%
HK$33,852
baseline
▲ 0.50% · 4.625%
HK$35,912
+HK$2,060/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,704/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,438
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,388
−HK$965/mo
Today · 4.125%
HK$37,353
baseline
▲ 0.50% · 4.625%
HK$39,322
+HK$1,969/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,706/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,956
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,230
−HK$1,294/mo
Today · 4.125%
HK$43,524
baseline
▲ 0.50% · 4.625%
HK$46,173
+HK$2,649/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$87,048/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$367,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,563
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,785
−HK$1,240/mo
Today · 4.125%
HK$48,025
baseline
▲ 0.50% · 4.625%
HK$50,556
+HK$2,531/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$96,050/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$367,842 · 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).