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$22,760
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,467
−HK$720/mo
Today · 4.125%
HK$24,187
baseline
▲ 0.50% · 4.625%
HK$25,658
+HK$1,471/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,374/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,320
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,999
−HK$689/mo
Today · 4.125%
HK$26,688
baseline
▲ 0.50% · 4.625%
HK$28,094
+HK$1,406/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,376/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,311
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,161
−HK$863/mo
Today · 4.125%
HK$29,024
baseline
▲ 0.50% · 4.625%
HK$30,790
+HK$1,766/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,048/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,384
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,199
−HK$826/mo
Today · 4.125%
HK$32,025
baseline
▲ 0.50% · 4.625%
HK$33,713
+HK$1,688/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,050/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,863
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,854
−HK$1,007/mo
Today · 4.125%
HK$33,861
baseline
▲ 0.50% · 4.625%
HK$35,922
+HK$2,061/mo
Deposit HK$2.99M · loan HK$6.99M · min. income ≈ HK$67,722/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,448
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,398
−HK$965/mo
Today · 4.125%
HK$37,363
baseline
▲ 0.50% · 4.625%
HK$39,332
+HK$1,969/mo
Deposit HK$2.99M · loan HK$6.99M · min. income ≈ HK$74,726/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,967
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$42,241
−HK$1,295/mo
Today · 4.125%
HK$43,536
baseline
▲ 0.50% · 4.625%
HK$46,185
+HK$2,649/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$87,072/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,576
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,798
−HK$1,240/mo
Today · 4.125%
HK$48,038
baseline
▲ 0.50% · 4.625%
HK$50,570
+HK$2,532/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$96,076/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,112 · 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).