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$22,773
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,481
−HK$720/mo
Today · 4.125%
HK$24,201
baseline
▲ 0.50% · 4.625%
HK$25,674
+HK$1,473/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,402/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,335
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,014
−HK$689/mo
Today · 4.125%
HK$26,703
baseline
▲ 0.50% · 4.625%
HK$28,111
+HK$1,408/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,406/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,328
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,178
−HK$863/mo
Today · 4.125%
HK$29,041
baseline
▲ 0.50% · 4.625%
HK$30,808
+HK$1,767/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,082/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,402
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,217
−HK$827/mo
Today · 4.125%
HK$32,044
baseline
▲ 0.50% · 4.625%
HK$33,733
+HK$1,689/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,088/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,882
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,874
−HK$1,007/mo
Today · 4.125%
HK$33,881
baseline
▲ 0.50% · 4.625%
HK$35,943
+HK$2,062/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$67,762/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,469
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,420
−HK$965/mo
Today · 4.125%
HK$37,385
baseline
▲ 0.50% · 4.625%
HK$39,355
+HK$1,970/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$74,770/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,991
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,266
−HK$1,296/mo
Today · 4.125%
HK$43,562
baseline
▲ 0.50% · 4.625%
HK$46,212
+HK$2,650/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$87,124/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,602
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,825
−HK$1,241/mo
Today · 4.125%
HK$48,066
baseline
▲ 0.50% · 4.625%
HK$50,600
+HK$2,534/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$96,132/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,701 · 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).