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$22,765
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,473
−HK$719/mo
Today · 4.125%
HK$24,192
baseline
▲ 0.50% · 4.625%
HK$25,664
+HK$1,472/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,384/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,325
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,005
−HK$689/mo
Today · 4.125%
HK$26,694
baseline
▲ 0.50% · 4.625%
HK$28,101
+HK$1,407/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,388/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,318
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,167
−HK$864/mo
Today · 4.125%
HK$29,031
baseline
▲ 0.50% · 4.625%
HK$30,797
+HK$1,766/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,062/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,390
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,206
−HK$826/mo
Today · 4.125%
HK$32,032
baseline
▲ 0.50% · 4.625%
HK$33,721
+HK$1,689/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,064/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,870
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,862
−HK$1,007/mo
Today · 4.125%
HK$33,869
baseline
▲ 0.50% · 4.625%
HK$35,930
+HK$2,061/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$67,738/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,456
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,406
−HK$965/mo
Today · 4.125%
HK$37,371
baseline
▲ 0.50% · 4.625%
HK$39,341
+HK$1,970/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$74,742/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,976
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,251
−HK$1,295/mo
Today · 4.125%
HK$43,546
baseline
▲ 0.50% · 4.625%
HK$46,196
+HK$2,650/mo
Deposit HK$998K · loan HK$8.99M · min. income ≈ HK$87,092/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,586
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,808
−HK$1,241/mo
Today · 4.125%
HK$48,049
baseline
▲ 0.50% · 4.625%
HK$50,581
+HK$2,532/mo
Deposit HK$998K · loan HK$8.99M · min. income ≈ HK$96,098/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,336 · 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).