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$22,779
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,488
−HK$720/mo
Today · 4.125%
HK$24,208
baseline
▲ 0.50% · 4.625%
HK$25,681
+HK$1,473/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,416/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,342
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,022
−HK$689/mo
Today · 4.125%
HK$26,711
baseline
▲ 0.50% · 4.625%
HK$28,119
+HK$1,408/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,422/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,335
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,186
−HK$863/mo
Today · 4.125%
HK$29,049
baseline
▲ 0.50% · 4.625%
HK$30,817
+HK$1,768/mo
Deposit HK$4.00M · loan HK$5.99M · min. income ≈ HK$58,098/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,410
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,226
−HK$827/mo
Today · 4.125%
HK$32,053
baseline
▲ 0.50% · 4.625%
HK$33,743
+HK$1,690/mo
Deposit HK$4.00M · loan HK$5.99M · min. income ≈ HK$64,106/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,891
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,883
−HK$1,008/mo
Today · 4.125%
HK$33,891
baseline
▲ 0.50% · 4.625%
HK$35,953
+HK$2,062/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$67,782/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$368,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,479
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,430
−HK$965/mo
Today · 4.125%
HK$37,395
baseline
▲ 0.50% · 4.625%
HK$39,367
+HK$1,972/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$74,790/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$368,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,003
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,278
−HK$1,296/mo
Today · 4.125%
HK$43,574
baseline
▲ 0.50% · 4.625%
HK$46,226
+HK$2,652/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$87,148/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,615
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,839
−HK$1,241/mo
Today · 4.125%
HK$48,080
baseline
▲ 0.50% · 4.625%
HK$50,614
+HK$2,534/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$96,160/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,986 · 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).