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$22,755
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,462
−HK$720/mo
Today · 4.125%
HK$24,182
baseline
▲ 0.50% · 4.625%
HK$25,653
+HK$1,471/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,364/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$367,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,314
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,993
−HK$689/mo
Today · 4.125%
HK$26,682
baseline
▲ 0.50% · 4.625%
HK$28,088
+HK$1,406/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,364/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$367,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,306
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,155
−HK$863/mo
Today · 4.125%
HK$29,018
baseline
▲ 0.50% · 4.625%
HK$30,783
+HK$1,765/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,036/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,377
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,192
−HK$826/mo
Today · 4.125%
HK$32,018
baseline
▲ 0.50% · 4.625%
HK$33,706
+HK$1,688/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,036/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,856
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,847
−HK$1,007/mo
Today · 4.125%
HK$33,854
baseline
▲ 0.50% · 4.625%
HK$35,914
+HK$2,060/mo
Deposit HK$2.99M · loan HK$6.99M · min. income ≈ HK$67,708/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,440
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,390
−HK$965/mo
Today · 4.125%
HK$37,355
baseline
▲ 0.50% · 4.625%
HK$39,324
+HK$1,969/mo
Deposit HK$2.99M · loan HK$6.99M · min. income ≈ HK$74,710/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,958
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$42,232
−HK$1,295/mo
Today · 4.125%
HK$43,527
baseline
▲ 0.50% · 4.625%
HK$46,175
+HK$2,648/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$87,054/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$367,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,566
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,788
−HK$1,239/mo
Today · 4.125%
HK$48,027
baseline
▲ 0.50% · 4.625%
HK$50,559
+HK$2,532/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$96,054/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$367,897 · 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).