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$22,740
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,447
−HK$719/mo
Today · 4.125%
HK$24,166
baseline
▲ 0.50% · 4.625%
HK$25,637
+HK$1,471/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,332/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$367,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,298
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,977
−HK$688/mo
Today · 4.125%
HK$26,665
baseline
▲ 0.50% · 4.625%
HK$28,070
+HK$1,405/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,330/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$367,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,288
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,137
−HK$862/mo
Today · 4.125%
HK$28,999
baseline
▲ 0.50% · 4.625%
HK$30,764
+HK$1,765/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$57,998/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,358
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,172
−HK$826/mo
Today · 4.125%
HK$31,998
baseline
▲ 0.50% · 4.625%
HK$33,685
+HK$1,687/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$63,996/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,836
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,826
−HK$1,007/mo
Today · 4.125%
HK$33,833
baseline
▲ 0.50% · 4.625%
HK$35,891
+HK$2,058/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,666/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,417
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,367
−HK$964/mo
Today · 4.125%
HK$37,331
baseline
▲ 0.50% · 4.625%
HK$39,299
+HK$1,968/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,662/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,932
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,205
−HK$1,294/mo
Today · 4.125%
HK$43,499
baseline
▲ 0.50% · 4.625%
HK$46,146
+HK$2,647/mo
Deposit HK$997K · loan HK$8.98M · min. income ≈ HK$86,998/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$367,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,537
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$46,758
−HK$1,239/mo
Today · 4.125%
HK$47,997
baseline
▲ 0.50% · 4.625%
HK$50,527
+HK$2,530/mo
Deposit HK$997K · loan HK$8.98M · min. income ≈ HK$95,994/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$367,261 · 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).