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$22,737
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,444
−HK$719/mo
Today · 4.125%
HK$24,163
baseline
▲ 0.50% · 4.625%
HK$25,633
+HK$1,470/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,326/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$367,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,295
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,973
−HK$688/mo
Today · 4.125%
HK$26,661
baseline
▲ 0.50% · 4.625%
HK$28,067
+HK$1,406/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,322/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$367,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,285
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,133
−HK$863/mo
Today · 4.125%
HK$28,996
baseline
▲ 0.50% · 4.625%
HK$30,760
+HK$1,764/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$57,992/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,354
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,168
−HK$826/mo
Today · 4.125%
HK$31,994
baseline
▲ 0.50% · 4.625%
HK$33,680
+HK$1,686/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$63,988/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,832
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,822
−HK$1,006/mo
Today · 4.125%
HK$33,828
baseline
▲ 0.50% · 4.625%
HK$35,886
+HK$2,058/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,656/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,413
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,363
−HK$963/mo
Today · 4.125%
HK$37,326
baseline
▲ 0.50% · 4.625%
HK$39,294
+HK$1,968/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,652/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,927
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,200
−HK$1,293/mo
Today · 4.125%
HK$43,493
baseline
▲ 0.50% · 4.625%
HK$46,140
+HK$2,647/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$86,986/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$367,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,531
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$46,752
−HK$1,239/mo
Today · 4.125%
HK$47,991
baseline
▲ 0.50% · 4.625%
HK$50,520
+HK$2,529/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$95,982/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$367,131 · 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).